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First National Bank and Trust

Atmore, AL · Cert 2779 · First Suncoast Tr Bancshares

National charter · OCC · 4 branches

Q2 2026

$238.6MAssets
$150.4MLoans
$218.9MDeposits
$18.7MEquity
Loan mix
78%RE $110.8M17%C&I $23.5M5%Consumer $7.8MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $140.0M36%Noninterest $78.9MQ2 2025Q2 2026

NIM

5.12%Q2 ’244.64%Q2 ’254.69%Q2 ’26-14%+8%

Non-interest income vs. expense

3.25%Q2 ’243.09%Q2 ’253.11%Q2 ’26+0%-1%

Market Position · Mobile, AL · 2026 SOD (annual) · 0.2% share · #23 of 25 inst. · $0.0B of $10.6B

14.3% Escambia
8.4% Monroe
0.2% Mobile

Executive Summary

  • Earnings: ROA of 0.41%, up 13 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.10% of loans (-129 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.54%, down 36 bps from a year ago.
  • Funding: loans stand at 68.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+25 bps YoY

Efficiency Ratio (YTD, annualized)

75.48%-501 bps YoY

Tier 1 Leverage Ratio

11.54%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.29%0.29%0.44%0.41%+13 bps
Return on Equity4.15%4.15%4.04%5.87%5.37%+122 bps
Net Interest Margin3.16%3.23%3.19%3.33%3.41%+25 bps
Efficiency Ratio80.49%80.39%80.32%74.22%75.48%-501 bps
Non-Interest Burden2.41%2.46%2.43%2.28%2.40%-1 bps
Growth
Asset Growth (YoY)5.92%3.79%10.31%6.78%5.56%-36 bps
Loan Growth (YoY)3.49%4.39%4.73%3.11%6.07%+258 bps
Deposit Growth (YoY)5.67%3.72%8.86%6.12%4.45%-122 bps
Asset Quality
Nonperforming Loans / Loans1.39%0.00%0.00%0.00%0.10%-129 bps
Net Charge-Offs / Loans0.05%1.35%1.02%0.00%0.00%-5 bps
Allowance / Loans1.75%0.88%1.06%1.25%1.41%-34 bps
Allowance Coverage of NPLs1.3xn/an/an/a14.2x+13.0x
Capital
Tier 1 Leverage Ratio11.91%12.03%11.68%11.50%11.54%-36 bps
Total Risk-Based Capital11.91%12.03%11.68%11.50%11.54%-36 bps
Equity / Assets6.86%7.60%7.66%7.47%7.82%+96 bps
Liquidity & Funding
Loans / Deposits67.67%68.69%65.53%65.33%68.72%+105 bps
Liquid Assets / Assets2.54%2.30%2.66%2.38%2.28%-26 bps
CRE / Total Capitaln/a196.29%193.44%204%n/an/a