The First National Bank and Trust
Total assets
$238.6M
▲ +5.6% YoY
Deposits
$218.9M
▲ +4.5% YoY
Loans
$148.3M
▲ +6.4% YoY
Offices
4
FIRST SUNCOAST TR BANCSHARES
ROA (annualized)
0.50%
peers 1.24%
ROE (annualized)
6.48%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.9 pts |
| ROA | 0.50% | 1.24% | -0.7 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1915
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST SUNCOAST TR BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 111 S Main St, Atmore, AL, 36502
- County
- Escambia
- Metro area
- Atmore, AL
- Offices
- 4
- FDIC cert #
- 2779
- RSSD ID
- 670430
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $238.6M | $218.9M | $148.3M | $18.7M | $596K | 0.50% | 3.66% | 0.27% |
| Q1 2026 | $243.5M | $224.3M | $144.7M | $18.2M | $324K | 0.54% | 3.54% | 0.21% |
| Q4 2025 | $239.5M | $220.4M | $142.9M | $18.4M | $828K | 0.36% | 3.52% | 0.22% |
| Q3 2025 | $229.3M | $210.9M | $143.6M | $17.4M | $626K | 0.37% | 3.51% | 0.23% |
| Q2 2025 | $226.0M | $209.5M | $139.3M | $15.5M | $418K | 0.37% | 3.47% | 0.87% |
| Q1 2025 | $228.1M | $211.4M | $139.8M | $15.9M | $224K | 0.40% | 3.39% | 0.86% |
| Q4 2024 | $217.1M | $202.4M | $135.8M | $13.8M | $1.8M | 0.82% | 3.63% | 0.91% |
| Q3 2024 | $221.0M | $203.4M | $136.7M | $16.6M | $1.6M | 1.00% | 3.70% | 0.89% |
Loan mix (Q2 2026): real estate $113.5M · commercial $24.5M · consumer $7.9M · securities $51.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% | 34th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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