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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

4.69%Q2 ’244.74%Q2 ’254.76%Q2 ’26+2%+7%

Non-interest income vs. expense

3.37%Q2 ’243.18%Q2 ’253.22%Q2 ’26-7%+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 0.38%, up 9 bps year over year; NIM at 3.49%.
  • 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 (quarter, annualized)

0.38%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+24 bps YoY

Efficiency Ratio (quarter, annualized)

76.69%-397 bps YoY

Tier 1 Leverage Ratio

11.54%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.31%0.28%0.44%0.38%+9 bps
Return on Equity4.15%4.24%3.70%5.87%4.92%+77 bps
Net Interest Margin3.26%3.34%3.36%3.33%3.49%+24 bps
Efficiency Ratio80.66%80.18%80.13%74.22%76.69%-397 bps
Non-Interest Burden2.49%2.53%2.56%2.28%2.52%+2 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 / Loans0.10%3.98%0.00%0.00%0.00%-10 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