BlastPoint's Banking Scorecard
The First National Bank and Trust
Atmore, AL
4 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +4.5% year over year ($218.9M on the books).
- Delinquency rate 0.10%.
- Return on assets 0.50%.
- Efficiency ratio 75.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank and Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.00% above tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.83% below tier average
- - Net Interest Margin 0.32% below tier average
- - Efficiency Ratio 11.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.6M
+5.6% YoY
-2.0% QoQ
|
-$148.0M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$148.3M
+6.4% YoY
+2.5% QoQ
|
-$110.1M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$218.9M
+4.5% YoY
-2.4% QoQ
|
-$107.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.50%
+32.6% YoY
-7.7% QoQ
|
-0.83% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
3.66%
+5.5% YoY
+3.3% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
75.48%
-6.2% YoY
+1.7% QoQ
|
+11.00% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.10%
-92.9% YoY
|
-0.82% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
67.75%
+1.9% YoY
+5.0% QoQ
|
-10.20% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
36.03%
+4.5% YoY
-1.9% QoQ
|
+14.00% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Top 8.7% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-69.1% YoY
+30.2% QoQ
|
-0.40% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.54%
-3.0% YoY
+0.4% QoQ
|
-4.36% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.35%
+4.2% YoY
+102.2% QoQ
|
-0.21% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.0%
+1.5pp YoY -0.7pp QoQ |
+13.9pp | 22.1% | 24.0% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.5%
-2.8pp YoY +0.3pp QoQ |
+5.0pp | 11.6% | 16.9% | 12.5% | 81% |
| CRE |
37.7%
+1.2pp YoY -0.9pp QoQ |
-1.9pp | 39.5% | 43.5% | 41.4% | 48% |
| 1-4 Family |
35.4%
+2.8pp YoY +0.5pp QoQ |
+2.8pp | 32.6% | 30.6% | 31.3% | 62% |
| Consumer |
5.3%
-0.6pp YoY -0.1pp QoQ |
+1.2pp | 4.1% | 5.7% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 12.2% | 13.2% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
0 YoY +4 (+8.7%) QoQ |
-9 | 58 | 304 | 482 | 53% |
| Assets per Employee ($) |
$4.8M
+5.6% YoY -9.9% QoQ |
-$2.7M | $7.5M | $6.9M | $8.8M | 11% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 20 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-1.3pp YoY |
-0.8pp | 0.9% | 1.2% | 1.0% | 19% |
| Allowance Coverage |
14.24x
+1027.5% YoY |
-9.91x | 24.15x | 7.50x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.5%
+0.9pp YoY -0.6pp QoQ |
-5.7pp | 12.2% | 10.0% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$596,000
+42.6% YoY — QoQ |
-$2.0M | $2.6M | $17.2M | $40.4M | 13% |
Get Full Access to The First National Bank and Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.