At a glance
From its website, read 2 Nov 2026First National Bank and Trust is a bank or thrift based in Atmore, Alabama. Its website describes farm loans, auto loans, commercial real estate loans and 3 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (251) 368-3148 source |
|---|---|
| Toll-free | (877) 575-2440 source |
| Phone | (251) 765-9020 source |
| Website | www.fnbandt.com |
| Office (official list) | P.O. Box 27, Atmore, AL 36504 |
What their website says about applying
Stop in and see us, set up the financing, then go to the dealer.
sourceGive us a call today at 251-368-3148 or 877-575-2440 in Atmore or 251-765-9020 in Excel
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 670430 |
| Address | P.O. Box 27, Atmore, AL 36504 Directions to the main office (Google Maps) |
| Website | www.fnbandt.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The pages state loan products but give no loan amounts, service area, or online loan application. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | First National Bank & Trust has been providing agriculture financing since 1915. | source |
| Auto / vehicle loans | — | Is it finally time for a new automobile or truck for the family? | source |
| Commercial real estate loans | — | Whether your business needs a construction loan, is purchasing an existing building or looking to refinance an existing real estate loan, we can customize a loan that will help you meet your business goals. | source |
| Home repair / improvement loans | — | Looking for an easy way to increase the value of your home? How about a home improvement loan? | source |
| Home mortgages | — | offers FHA, USDA, and VA loans. | source |
| Personal / consumer loans | — | Need to consolidate your bills into one easy payment? | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7 million in 9 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $283,330 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $53,619 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as The First National Bank and Trust (FDIC cert 2779). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $238.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 4 (as of 30 Oct 2026) |
Offices by state and county (4)
Alabama (4 offices)
- Escambia County (2): 111 S Main St, Atmore 36502 (main office); 207 N Main St, Atmore 36502
- Mobile County (1): 1275 Hillcrest Road, Mobile 36608
- Monroe County (1): 67 Highway 136 East, Excel 36439
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by The First National Bank and Trust (RSSD 670430, FDIC cert 2779). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $150.4 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 6.1% from $141.8 million on 30 Jun 2025 |
| Total assets | $238.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $49.9 million | 33.2% |
| Home equity lines of credit | $2.6 million | 1.7% |
| Commercial real estate, construction and multifamily | $55.9 million | 37.2% |
| Commercial and industrial (business) loans | $24.5 million | 16.3% |
| Farmland and farm production loans | $7.1 million | 4.7% |
| Consumer loans (credit cards, auto, other) | $7.9 million | 5.2% |
| All other loans and leases | $2.5 million | 1.7% |
Within consumer loans: auto loans $3.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 38 loans $1.6 million | 185 loans $4.6 million |
| $100,001 to $250,000 | 48 loans $6 million | 38 loans $3.5 million |
| $250,001 to $1 million | 43 loans $16.6 million | 32 loans $9.6 million |
| All small business loans | 129 loans $24.2 million | 255 loans $17.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 9 loans $324,000 | 12 loans $514,000 |
| $100,001 to $250,000 | 19 loans $2 million | 6 loans $375,000 |
| $250,001 to $500,000 | 7 loans $1.7 million | 2 loans $473,000 |
| All small farm loans | 35 loans $4 million | 20 loans $1.4 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $238.6 million | Larger than 50% of the 26 other certified banks and bank holding companies in Alabama (median $229.8 million). |
| Loans as a share of assets | 63% | Median of the same 26 banks and bank holding companies: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $141.8 million → $150.4 million (+6%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 13 → 11. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Alabama | 26 | larger than 50% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 13 → 11 of 27 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Atmore and Alabama
- First Suncoast Trust Bancshares, Inc.Bank holding company · Atmore, ALAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- United Bancorporation of Alabama, IncBank holding company · Atmore, ALOfficial list only
- United BankBank or thrift · Atmore, ALOfficial list only
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
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