First National Bank and Trust (AL)

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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

Member FDIC

up to $300

Our Rating

4.2 / 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 57^th largest bank in the state of Alabama. It is also the 2,874^th largest bank in the nation. It was established in 1915 and as of March of 2025, 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 Q1 2025

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	0.4%
Return on Equity - YTD	6.04%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$228.1MM$214.2MM
Loans	Q1 2025vs Q1 2024	$139.8MM$132.4MM
Deposits	Q1 2025vs Q1 2024	$211.4MM$199.1MM
Equity Capital	Q1 2025vs Q1 2024	$15.9MM$14.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.3MM$2.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2MM$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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