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Agricultural Loans

First National Bank & Trust has been providing agriculture financing since 1915. If you need operational working capital, intermediate term loans for capital purchases, or long- term financing for real estate purchases, we should be your bank. Our Line of Credit loans keep interest costs to a minimum, are easily accessible, and are there whenever you need them. Its a great liquidity tool for your agriculture needs.

Download Financial Statement Worksheet

Commercial 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. If you need to make needed capital purchases, consolidate debt, or simply adjust your intermediate debt to match your cash flow, our structured term loans can help. Well work with you to find the most advantageous terms.

Personal Loans

Need to consolidate your bills into one easy payment? Maybe you need some short-term money until you get your tax refund. Even if you need some funds for that special family vacation, give us a call. We can structure your request to your income stream.

Vehicle Loans

Is it finally time for a new automobile or truck for the family? Stop in and see us, set up the financing, then go to the dealer. Wed love to see you in that new ride!

Home Improvement Loans

Looking for an easy way to increase the value of your home? How about a home improvement loan? You increase the value of your home and get all the tax benefits. Its the best of everything. Let us know how we can help!


466946 Jason Boothe
1380861 Abby Brooks
1151142 Glen Davis
1145708 Gregory Davis
466949 Nana Moore
466951 Tracey Hodgen
1514015 Murlie Johnson
647519 Andrea Saucer
466955 Stephen Van Pelt
466956 Christopher Walker


Perhaps weve forgotten something? Loans for a family emergency or an unexpected expense can make life difficult. If a short-term loan can make your life easier, please give us a call. We are here to help!

Real Estate Loans

If you are looking for a real estate loan to purchase a home, buy a farm, or other real estate, look no further than our bank. Our terms are flexible and we'll give you a quick answer to your loan request. We'll do our very best to come up with a plan you'll like. We offer financing for all of the following:

  • Purchase
  • Refinancing
  • Construction
  • Conventional
  • Home Equity Line of Credit
  • And more

Give us a call today at 251-368-3148 in Atmore or 251-765-9020 in Excel.