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 The First National Bank and Trust
The First National Bank and Trust
| RSSD ID 670430 | CERTIFICATE 2779 | ABA NUMBER 62104520 |
| 111 S Main St |
Quarter Ended : |
2025-12-31 |
| Atmore, Alabama, 36502 |
Updated : |
2026-01-27 |
| www.fnbandt.com |
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| Institution Profile |
| Year Opened : |
1915 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
49 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 239,483 |
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Total Interest Income | 10,736 |
| Total Liabilities | 221,129 |
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Total NonInterest Income | 1,572 |
| Total Bank Equity Capital | 18,354 |
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Total Interest Expense | 3,340 |
| Total Deposits | 220,353 |
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Total NonInterest Expense | 7,203 |
| Net Loans & Leases | 142,867 |
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Net Income | 828 |
| Loan Loss Allowance | 1,532 |
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Net Charge Offs | 1,473 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 145,134 |
| Total assets for the leverage ratio | 231,687 |
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Loans secured by real estate: | 107,384 |
| Tier 1 Leverage Ratio | 11.68 |
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Commercial and industrial loans | 24,538 |
| Off Balance Sheet Exposures (%) | 7.18 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 7,889 |
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:· The First National Bank and Trust
