The First National Bank and Trust

111 South Main Street
Atmore, AL 36502

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2779
Date Established 1915
Assets $0.14 billion
Loans $0.08 billion
Deposits $0.13 billion
Capital $0.02 billion

The First National Bank and Trust is an FDIC insured institution located in Atmore, AL. It was founded in 1915 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of The First National Bank and Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The First National Bank and Trust’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Alabama, The First National Bank and Trust has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.55
Multifamily
Mortgages
2.89
Credit Card Loans 0.00
Consumer Auto Loans 2.29
Small Business Loans 0.00
Construction and Development Loans 7.92
Commercial Real Estate 27.35
Commercial and Industrial Loans 10.95
Farm Loans 5.68

Deposit Rates - September 19, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.25% $1 - Learn MoreShow Less

Loan Rates - September 19, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The First National Bank and Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.544% 4.500% 0.13 $1,394 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to The First National Bank and Trust
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Branches

The First National Bank and Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The First National Bank and Trust Locations

Financial Details

The First National Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First National Bank and Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The First National Bank and Trust U.S. Bank Average
4.24% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, The First National Bank and Trust had $732,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,925,000 in equity and $1,327,000 in loans loss reserves. That gives it a Texas Ratio of 4.24%.

Return on Equity
The First National Bank and Trust U.S. Bank Average
7.04% 9.35%

The First National Bank and Trust has a Return on Equity of 7.04% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The First National Bank and Trust U.S. Bank Average
11.27% 12.01%

The First National Bank and Trust has a Capitalization of 11.27% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The First National Bank and Trust Balance Sheet Analysis

As of March 31, 2018, The First National Bank and Trust had assets of $141,311,000, loans of $78,016,000, and deposits of $125,116,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.13 billion
LIABILITIES
Total deposits $0.13 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 86.42%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The First National Bank And Trust

Branches and Savings

Is The First National Bank And Trust FDIC insured?

Yes. It is covered under FDIC Certificate #2779.

Why does The First National Bank And Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The First National Bank And Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The First National Bank And Trust a commercial bank?

Yes

Where are The First National Bank And Trust locations?

See branch locations nearby.

Is The First National Bank And Trust open on Saturdays?

Is The First National Bank And Trust open on Sundays?

What time does The First National Bank And Trust open?

What time does The First National Bank And Trust close?

Are The First National Bank And Trust ATMs Open 24/7?

Do The First National Bank And Trust ATMs accept cash deposits?

Can The First National Bank And Trust customers use other ATMs?

Do The First National Bank And Trust branches have notaries?

Will The First National Bank And Trust notarize my document?

What address for The First National Bank And Trust should I put for incoming ACH transfers?

Will the The First National Bank And Trust branch print checks?

Do The First National Bank And Trust checks expire?

Does The First National Bank And Trust require US citizenship to open account?

Can The First National Bank And Trust close my account?

Does The First National Bank And Trust Report to credit bureaus?

Does The First National Bank And Trust Use Equifax?

What is The First National Bank And Trust's ACH Routing Number?

What is The First National Bank And Trust's SWIFT code?

Products

Does The First National Bank And Trust offer mortgages?

Compare mortgage rates here.

Does The First National Bank And Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First National Bank And Trust offer personal loans?

Compare personal loan rates here.

Does The First National Bank And Trust offer student loans?

Will The First National Bank And Trust cash a check?

Will The First National Bank And Trust redeem a savings bond?

Does The First National Bank And Trust cash savings bonds?

Will The First National Bank And Trust cash money orders?

Can The First National Bank And Trust issue a money order?

Does The First National Bank And Trust do currency exchange?

Background on The Bank

Who owns The First National Bank And Trust?

How long has The First National Bank And Trust been around?

Can The First National Bank And Trust transfer to other banks?

Does The First National Bank And Trust have quick pay?

Does The First National Bank And Trust accept rolled coins?

Will The First National Bank And Trust accept loose change?

Where is The First National Bank And Trust headquarters?

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