BlastPoint's Banking Scorecard
The First National Bank and Trust
Atmore, AL
4 branches across AL
The First National Bank and Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Non-Interest-Bearing Deposit Share 14.73% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Net Interest Margin 0.39% below tier average
- - Efficiency Ratio 8.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.5M
+6.8% YoY
+1.7% QoQ
|
-$142.6M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$144.7M
+3.5% YoY
+1.3% QoQ
|
-$111.0M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$224.3M
+6.1% YoY
+1.8% QoQ
|
-$103.6M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.54%
+33.3% YoY
+47.8% QoQ
|
-0.73% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.9% in tier |
| Net Interest Margin ? |
3.54%
+4.7% YoY
+0.7% QoQ
|
-0.39% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
74.22%
-7.6% YoY
-7.6% QoQ
|
+8.93% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
64.52%
-2.5% YoY
-0.5% QoQ
|
-12.12% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
36.75%
+3.3% YoY
+2.6% QoQ
|
+14.73% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Top 7.9% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-76.0% YoY
-7.2% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
11.50%
-4.9% YoY
-1.6% QoQ
|
-4.33% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.18%
+4.7% YoY
-73.3% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
81% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.