First National Bank&Trust (FDIC #2779): Bank Stress & Real-Estate Credit Exposure
First National Bank&Trust (FDIC Cert #2779): bank stress 88/100, severe, STABLE over 7 days; parent FIRST SUNCOAST TR BANCSHARES.
First National Bank&Trust (#2779) lends in 3 counties across 1 state; First National Bank&Trust (#2779) reaches 64 ZIP codes: Alabama 3 counties, 64 ZIPs.
First National Bank&Trust (#2779) largest markets: Mobile County, AL (39 branches, 39 ZIPs) (#2779), Monroe County, AL (17 branches, 17 ZIPs) (#2779), Escambia County, AL (20 branches, 10 ZIPs) (#2779).
First National Bank&Trust (#2779) reports $238.6 million in total assets; First National Bank&Trust (#2779) equity $18.7 million (7.8% of First National Bank&Trust (#2779) assets); First National Bank&Trust (#2779) domestic deposits $218.9 million; First National Bank&Trust (#2779) net income $596,000; First National Bank&Trust (#2779) return on assets 0.50%; First National Bank&Trust (#2779) return on equity 6.48%; First National Bank&Trust (#2779) net interest income $4.1 million; First National Bank&Trust (#2779) call report June 30, 2026.
First National Bank&Trust (#2779) noncurrent real-estate loans: none reported; First National Bank&Trust (#2779) net charge-offs on real estate 0.13%.
First National Bank&Trust (#2779) net interest margin 3.66% against an eight-quarter First National Bank&Trust (#2779) average of 3.55% (First National Bank&Trust (#2779) compression -0.11 points); First National Bank&Trust (#2779) rate-exposure score 40/100, First National Bank&Trust (#2779) fixed-rate trap 40/100; First National Bank&Trust (#2779) risk type credit driven; First National Bank&Trust (#2779) rate regime rates elevated, First National Bank&Trust (#2779) snapshot October 19, 2026.
First National Bank&Trust (#2779) stress score moved from 87 on June 22, 2026 to 88.3 on October 19, 2026; First National Bank&Trust (#2779) ranged 87 to 88.3 over 116 snapshots.
First National Bank&Trust (#2779) alerts: 3 counties; top First National Bank&Trust (#2779) alert scores: Mobile County, AL 43 (moderate); Atmore County, AL 28 (low); Excel County, AL 28 (low).