First National Bank and Trust (AL)

Overview / Commentary
111 South Main Street
Atmore, AL 36502

First National Bank and Trust (AL) is headquartered in Atmore and is the 59th largest bank in the state of Alabama. It is also the 3,048th largest bank in the nation. It was established in 1915 and as of June of 2022, it had grown to 49 employees at 5 locations. First National Bank and Trust (AL) has a B health rating.

Reviews (2)

Great Bank, Wonderful People, Just A Couple Of Caveats

Posted by: |

This is a great little hometown bank with really nice people - I've had several interactions with them and they really are a breath of fresh air! The interest rate listed for their Reward Checking account (eAccess Checking) is for real. The rate has been stable and consistent now for the last several years and the account terms are plain and transparent. All that being said, however, there are a few things that you will need to be aware of:

1.) As of my writing this, there are major issues with their online application process. You get error messages that suggest the application process didn't work but as it turns out, sometimes it does - not very encouraging when you're trying to send sensitive information like Social Security Number over the wire. For this reason, I'd advise you to avoid applying online and either call them on the phone or stop by in person to get more information or to apply for an account.

2.) It may take them a while to get back with you. It was several days after my (surprisingly) successful online application before I heard anything back. If you call, you can probably avoid this delay.

3.) Even though the account is called "e-Access" and you do have to access your account online to get the Interest benefits,  you still have to be onsite to open the account. It wasn't a problem for me - just a quick little road trip - but if you're not within driving distance then this probably isn't the account for you.

All that being said, I love these folks and highly recommend them but only if you're local or willing to travel.

Don't Bother To Apply

Posted by: |

I have opened about 15 accounts over the past 5 years in states ranging from Nebraska to New York following high yeild interst rates. I attempted three times since 15 Aug 2012  to open an account with the First National Bank of Atmore, Alabama.

I waited until the advertised upgrade of the web interface before trying to open an account. After the upgrade, the on-line application is very limited - only collecting contact info, SSN, and a relative not living with you. Some institutions such as Pen Fed have fully automated open an account application that includes ACHing the initial deposit.

The first time, I submitted the online pdf form and in severral days I received a voicemail. I returned the call and left a voicemail. Then NOTHING.

After two weeks, I submitted another online pdf form. After 3 working days, I called the bank and was asked the state I live in. When I answered Alabama, I was asked what part of the state. After I answered, I was put on hold to wait for a customer service person and after 15 minutes disconnectted.

My interpretation, First National Bank of Atmore, Alabama does not want my business.




Health Grade Components

FDIC Certificate #2779
Year Established1915
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD10.31%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$207.7MM$205.1MM
LoansQ2 2022vs Q2 2021$118.6MM$115.4MM
DepositsQ2 2022vs Q2 2021$193.1MM$182.7MM
Equity CapitalQ2 2022vs Q2 2021$10.2MM$21.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.0MM$2.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.9MM$2.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for First National Bank and Trust (AL) are currently being reviewed.


First National Bank and Trust (AL) Locations
The First National Bank and Trust111 S Main StAtmore, AL 36502
Excel Branch Of First National Bank and Trust67 Highway 136 EastExcel, AL 36439
Atmore Branch207 North Main StreetAtmore, AL 36502
Lindberg Avenue Branch104 Lindberg AvenueAtmore, AL 36502
Mobile Branch Of First National Bank5905 Airport BlvdMobile, AL 36608

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.