First National Bank and Trust (AL)

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbandt.com

251-368-3148

111 South Main Street
Atmore, AL 36502

First National Bank and Trust (AL) is headquartered in ATMORE and is the 58^th largest bank in the state of Alabama. It is also the 2,938^th largest bank in the nation. It was established in 1915 and as of December of 2024, it had grown to 49 employees at 4 locations. First National Bank and Trust (AL)'s CD rates are 4X the national average, and it has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	2779
Year Established	1915
Employees	49
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.82%
Return on Equity - YTD	12.08%
Annual Interest Income	$10.5MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$217.1MM$214.6MM
Loans	Q4 2024vs Q4 2023	$135.8MM$137MM
Deposits	Q4 2024vs Q4 2023	$202.4MM$194MM
Equity Capital	Q4 2024vs Q4 2023	$13.8MM$14.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.1MM$2.2MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$2MM$1.7MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank and Trust (AL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Christmas Club
0.05%	$0	-	Statement Savings

First National Bank and Trust (AL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	FNB MMA

First National Bank and Trust (AL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	FNB NOW

First National Bank and Trust (AL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	182 Day CD
4.00%	$1k	-	Business 182 Day CD
3.75%	$1k	-	9 Month CD
3.75%	$1k	-	Business 9 Month CD
3.50%	$1k	-	1 Year CD
3.50%	$1k	-	Business 1 Year CD
3.00%	$1k	-	18 Month CD
3.00%	$1k	-	Business 18 Month CD
2.75%	$1k	-	2 Year CD
2.75%	$1k	-	Business 2 Year CD
0.60%	$1k	-	5 Year CD
0.60%	$1k	-	Business 5 Year CD
0.45%	$1k	-	4 Year CD
0.45%	$1k	-	Business 4 Year CD
0.35%	$1k	-	3 Year CD
0.35%	$1k	-	Business 3 Year CD

First National Bank and Trust (AL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	182 Day IRA
3.75%	$1k	-	9 Month IRA
3.50%	$1k	-	1 Year IRA
3.00%	$1k	-	18 Month IRA
2.75%	$1k	-	2 Year IRA
0.60%	$1k	-	5 Year IRA
0.45%	$1k	-	4 Year IRA
0.35%	$1k	-	3 Year IRA

Locations

First National Bank and Trust (AL) Locations
The First National Bank and Trust	111 S Main St	Atmore, AL 36502
Excel Branch Of First National Bank and Trust	67 Highway 136 East	Excel, AL 36439
Atmore Branch	207 North Main Street	Atmore, AL 36502
Lindberg Avenue Branch	104 Lindberg Avenue	Atmore, AL 36502
Mobile Branch Of First National Bank	5905 Airport Blvd	Mobile, AL 36608

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