BlastPoint's Banking Scorecard
The First National Bank and Trust
Micro
Specialty: Commercial
AL
FDIC cert 2779
Designations: ✓ Community bank
Atmore, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The First National Bank and Trust shows strong momentum with 1 strength and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.5M
+10.3% YoY
+4.4% QoQ
|
+$22.0M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$142.9M
+5.2% YoY
-0.5% QoQ
|
+$3.7M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$220.4M
+8.9% YoY
+4.5% QoQ
|
+$36.7M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.36%
-55.8% YoY
-2.0% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.52%
-3.0% YoY
+0.4% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
80.32%
+1.2% YoY
-0.1% QoQ
|
+12.59% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
64.84%
-3.4% YoY
-4.8% QoQ
|
-9.69% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
35.83%
-0.9% YoY
+5.7% QoQ
|
+13.44% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-75.4% YoY
-4.4% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.66%
-22.4% YoY
+26.4% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.83% · Tier avg: 22.39%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
65
65th pctile
Total Deposits
Current: $220.4M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $239.5M · Tier avg: $217.5M
58
58th pctile
Total Loans
Current: $142.9M · Tier avg: $139.2M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.84% · Tier avg: 74.53%
20
20th pctile
Efficiency Ratio
Current: 80.32% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
Top Weaknesses
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.32% · Tier avg: 67.73%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.84% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
58
58th pctile
Total Loans
Current: $142.9M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $239.5M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $220.4M · Tier avg: $183.7M
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.83% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%