The First National Bank and Trust
Atmore, AL
IDRSSD: 670430
Total Assets
$229.33M
Latest filing
Total Deposits
$210.94M
Latest filing
Net Interest Margin
3.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank and Trust
111 S Main St
Atmore, AL 36502
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1915FDIC Certificate 1813
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank and Trust (Main) | 111 S Main St | Atmore, AL |
| ATMORE BRANCH | 207 N Main St | Atmore, AL |
| EXCEL BRANCH OF FIRST NATIONAL BANK AND TRUST | 67 Highway 136 East | Excel, AL |
| MOBILE BRANCH | 1275 Hillcrest Road | Mobile, AL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1915 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36502 |
| State and County Number | 01053 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atmore, AL |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbandt.com |
| Data Updated | 11/14/2025 |
| CERT | 2779 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $229.33M |
| Total Deposits | $210.94M |
| Total Liabilities | $211.89M |
| Total Equity Capital | $17.43M |
| Net Income | $208.00k |
| Net Loans and Leases | $143.61M |
| Assets Per Employee ($Millions) | $4.59M |
| Bank Premises and Fixed Assets | $6.09M |
| Cash and Balances due from Depository Institutions | $8.19M |
| Deposits Held in Domestic Offices | $210.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.37% |
| Return on Equity (ROE) | 5.05% |
| Net Interest Margin | 3.58% |
| Efficiency Ratio | 80.18% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.602% |
| Earning Assets to total Assets | 92.27% |
Income and Expense
| Total Interest Income | $2.72M |
| Total Noninterest Income | $422.00k |
| Total Interest Expense | $837.00k |
| Total Noninterest Expense | $1.84M |
| Net Interest Income | $1.88M |
| Pre-tax Net Operating Income | $222.00k |
| Provision for Credit Losses | $234.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $535.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.35M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $951.00k |
| Total Liabilities and Capital | $229.33M |
Securities
| Securities | $52.35M |
| Available-for-sale debt securities | $52.35M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank and Trust?
$229.33M as of the latest filing.
How much are The First National Bank and Trust's total deposits?
$210.94M in total deposits.
Where is The First National Bank and Trust located?
Atmore, AL.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
0.37%.
How much are total loans and leases?
$143.61M (latest filing).
What is the total interest income (latest filing)?
$2.72M.