PackageTrendsPeer
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First National Bank and Trust

Atmore, AL · Cert 2779 · Peer group: banks under $1B in assets (n=581-629) · First Suncoast Tr Bancshares

National charter · OCC · 4 branches

Q2 2026

$238.6MAssets
$150.4MLoans
$218.9MDeposits
$18.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 563 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.41%

Rank 524 of 629

Net Interest Margin

3.41%

Rank 359 of 629

Efficiency Ratio

75.48%

Rank 427 of 629

Equity / Assets

7.82%

Rank 563 of 629

Non-interest income vs. expense

$1.7M$7.4MINCOMEEXPENSE
Unfavorable gap of $5.7M · efficiency ratio beats 32% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%0.60%1.01%1.45%Beats 17%524 / 629n/a
Return on Equity5.30%5.38%9.30%13.28%Beats 24%475 / 629n/a
Net Interest Margin3.41%3.03%3.54%4.05%Beats 43%359 / 629n/a
Efficiency Ratio75.48%58.35%67.79%79.08%Beats 32%427 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 74%154 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio11.54%11.24%13.84%18.77%Beats 29%449 / 629n/a
Total Risk-Based Capital Ratio11.54%11.58%14.43%19.66%Beats 24%475 / 629n/a
Equity / Assets7.82%9.09%10.65%13.80%Beats 10%563 / 629n/a
Liquidity & Funding
Loans / Deposits68.72%67.24%80.90%93.48%28th pctl430 / 594n/a
Loans / Assets63.04%53.31%67.71%78.15%41st pctl371 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution