The First National Bank and Trust is a national bank headquartered in Atmore, Alabama, in business for about 111 years. At the end of Q2 2026 it reported $238.6M in total assets and $218.9M in deposits, with 4 offices.
The First National Bank and Trust has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 44th. Loan quality contributes the most (97/100, 0.10%); earnings contributes the least (40/100, 0.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (62 → 74), mostly because the loan quality component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 68 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 62 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.17% |
| Q3 2024 | 12.11% |
| Q4 2024 | 11.74% |
| Q1 2025 | 12.10% |
| Q2 2025 | 11.91% |
| Q3 2025 | 12.03% |
| Q4 2025 | 11.68% |
| Q1 2026 | 11.50% |
| Q2 2026 | 11.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.39% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $238.6M | 11.54% | 0.10% | 0.50% | 67.8% |
| Q1 2026 | 75 | $243.5M | 11.50% | 0.00% | 0.54% | 64.5% |
| Q4 2025 | 74 | $239.5M | 11.68% | 0.00% | 0.36% | 64.8% |
| Q3 2025 | 75 | $229.3M | 12.03% | 0.00% | 0.37% | 68.1% |
| Q2 2025 | 62 | $226.0M | 11.91% | 1.39% | 0.37% | 66.5% |
| Q1 2025 | 63 | $228.1M | 12.10% | 1.39% | 0.40% | 66.2% |
| Q4 2024 | 64 | $217.1M | 11.74% | 1.43% | 0.82% | 67.1% |
| Q3 2024 | 68 | $221.0M | 12.11% | 1.42% | 1.00% | 67.2% |
| Q2 2024 | 83 | $213.4M | 12.17% | 0.00% | 1.17% | 68.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of BoazBank Boaz, AL | 88 out of 100, Very strong | $239.8M | 19.7% | 0.05% | vs |
| The Citizens BankBank Enterprise, AL | 70 out of 100, Strong | $233.3M | 10.6% | 0.42% | vs |
| First Financial BankBank Bessemer, AL | 61 out of 100, Moderate | $248.1M | 10.7% | 1.52% | vs |
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
Deposit insurance
Is my money safe at The First National Bank and Trust?
Yes. The First National Bank and Trust is an FDIC-insured institution (FDIC certificate #2779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.8% of deposits ($49.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
The First National Bank and Trust lists 3 offices in 3 cities. Most locations:
- Atmore, AL (1)
- Excel, AL (1)
- Mobile, AL (1)
Identity & history
Profile
- Legal name
- The First National Bank and Trust
- Former names
- The First National Bank of Atmore
- Type
- National bank
- FDIC certificate #
- 2779
- RSSD ID
- 670430
- Primary regulator
- OCC
- Holding company
- First Suncoast Tr Bancshares
- Established
- January 1, 1915
- Headquarters
- 111 S Main St, Atmore, AL 36502
- Website
- www.fnbandt.com
- Employees
- 50
Quick answers
The First National Bank and Trust: common questions
Is The First National Bank and Trust FDIC insured?
Yes. The First National Bank and Trust is an FDIC-insured institution (FDIC certificate #2779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank and Trust's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank and Trust ever failed?
There is no failure record for FDIC certificate #2779 in the FDIC failed bank list.
How many branches does The First National Bank and Trust have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Atmore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baldwin County Federal Credit UnionCredit union Bay Minette, AL | 78 out of 100, Strong | $32.4M | 12.0% | 0.27% | vs |
| Santa Rosa County Federal Credit UnionCredit union Milton, FL | 78 out of 100, Strong | $223.0M | 13.6% | 1.18% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
| AmeriFirst BankBank Montgomery, AL | 69 out of 100, Moderate | $364.1M | 9.7% | 0.19% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |