Bank · FDIC insured
First National Bank and Trust
A $238.6M bank headquartered in Atmore, AL, with 4 branches in Alabama. Best rates: CDs 3.25% and savings 0.05% APY.
First National Bank and Trust Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#25 of 28 in Mobile, AL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank and Trust
First National Bank and Trust has been operating since 1915.
- Headquarters
- 111 S Main St, Atmore, AL 36502
- FDIC certificate
- 2779 ↗
Branches
4 branches in Alabama
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Alabama
4 branches
Atmore area · 2
- The First National Bank and TrustMain office111 S Main St, Atmore, AL 36502Directions
- Atmore Branch207 N Main St, Atmore, AL 36502Directions
Excel area · 1
- Excel Branch Of First National Bank And Trust67 Highway 136 East, Excel, AL 36439Directions
Mobile area · 1
- Mobile Branch1275 Hillcrest Road, Mobile, AL 36608Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $69 | $81 | — |
- CapitalLeverage ratio11.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$69Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.