🏦Bank Scorer

THE FIRST NATIONAL BANK AND TRUST

ATMORE, AL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1915FDIC #2,779
Satisfactory Same

Current rating · Exam: February 1997

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Is this bank safe?

THE FIRST NATIONAL BANK AND TRUST holds a Satisfactory CRA rating (1997), meets basic financial requirements (ROA +0.54%).

Institution Profile

FDIC BankFind

Address

111 S Main St, ATMORE, AL

County

Escambia County

Established

January 1, 1915

Total Assets

$244M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 28, 1997

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$244M

Total Deposits

$224M

Net Loans

$145M

Net Income

$324K

ROA

0.54%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.09%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.54%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$210M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Feb 1997SatisfactoryNot Reported
Feb 1992SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/the-first-national-bank-and-trust-al"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: