THE FIRST NATIONAL BANK AND TRUST

ATMORE, AL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1915FDIC #2,779

Satisfactory Same

Current rating · Exam: February 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Website

www.fnbandt.com

Address

111 S Main St, ATMORE, AL

County

Escambia County

Established

January 1, 1915

Total Assets

$244M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 28, 1997

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$244M

Total Deposits

$224M

Net Loans

$145M

Net Income

$324K

ROA

0.54%

ROE

7.09%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$210M

1-Year Change

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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