The First National Bank And Trust is a bank based in Atmore, Alabama, established in 1915, with $244 million in total assets across 4 branches. By Trust Grade it ranks 73rd of 93 banks we track in Alabama. Its capital ratio of 7.5% trails most similarly sized banks (10th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.54% return on assets. No consumer complaints against The First National Bank And Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The First National Bank And Trust compares to Alabama peers
How we graded The First National Bank And Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.5% capital ratio)
- Profitable (ROA 0.54%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The First National Bank And Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 207 N Main St, Atmore, AL 36502
- 111 S Main St, Atmore, AL 36502
- 67 Highway 136 East, Excel, AL 36439
- 1275 Hillcrest Road, Mobile, AL 36608
Are deposits at The First National Bank And Trust insured?
Yes. The First National Bank And Trust is an FDIC-insured bank (FDIC certificate #2779). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The First National Bank And Trust: frequently asked questions
Is The First National Bank And Trust a good bank?
The First National Bank And Trust earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Profitable (ROA 0.54%).
Is The First National Bank And Trust FDIC-insured?
Yes. The First National Bank And Trust is a FDIC-insured bank (FDIC certificate #2779). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The First National Bank And Trust?
The First National Bank And Trust holds $244 million in total assets, ranking 73rd of 93 banks we track in Alabama. It operates 4 branches.
Does The First National Bank And Trust have CFPB complaints?
No CFPB complaints against The First National Bank And Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
