The First National Bank and Trust: how it compares with its peers
Against 47 AL banks with half to twice its assets, The First National Bank and Trust's strongest measure in Q2 2026 is assets per employee ($4.8M vs. a $5.8M peer median). Its weakest relative measure is return on assets (0.50% vs. 1.13%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.50% | 1.13% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 4.14% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.48% | 65.13% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.8M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.75% | 66.39% | Context |
What it means for lending operations
Its efficiency ratio of 75.48% is above the 65.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Bank of Boaz Boaz, AL · $240M
- The Citizens Bank Enterprise, AL · $233M
- First Financial Bank Bessemer, AL · $248M
- Community Spirit Bank Red Bay, AL · $229M
- BankSouth Dothan, AL · $221M
- Friend Bank Slocomb, AL · $221M
Questions about The First National Bank and Trust
How big is The First National Bank and Trust?
The First National Bank and Trust, established in 1915, is headquartered in Atmore, AL. It reported $239M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First National Bank and Trust's return on assets?
0.50% annualized in Q2 2026, against a 1.13% median for 47 AL banks with half to twice its assets, ahead of 6% of them.
What is The First National Bank and Trust's efficiency ratio?
75.48% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 65.13%, and lower is better.
Is The First National Bank and Trust growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.