First National Bank & Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.firstnbtc.com

217-935-2148

2 Kelli Court
Clinton, IL 61727

First National Bank & Trust Company is headquartered in CLINTON and is the 121^st largest bank in the state of Illinois. It is also the 2,082^nd largest bank in the nation. It was established in 1872 and as of December of 2024, it had grown to 56 employees at 4 locations. First National Bank & Trust Company has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3639
Year Established	1872
Employees	56
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.08%
Return on Equity - YTD	-2.16%
Annual Interest Income	$15.2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$402.4MM$404.9MM
Loans	Q4 2024vs Q4 2023	$119MM$128.7MM
Deposits	Q4 2024vs Q4 2023	$382.8MM$387.2MM
Equity Capital	Q4 2024vs Q4 2023	$15.1MM$13.1MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$787K$845K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$222K$1,000
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$0	-	Savings

First National Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.06%^*	$25k^*	-	Money Market
OTHER TIERS: 0.03% → $2.5k - $5k \| 0.04% → $5k - $25k

First National Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$0	$10k	Ignite Checking
OTHER TIERS: 0.15% → $10k+
0.01%	$1k	-	Traditional Checking

Locations

First National Bank & Trust Company Locations
First National Bank & Trust Company	2 Kelli Ct	Clinton, IL 61727
State Bank Of Arcadia Branch	131 West Main Street	Arcadia, WI 54612
East Main Street Branch	1550 East Main Street	Arcadia, WI 54612
Independence Branch (Cedar Street)	23513 Cedar Street	Independence, WI 54747
Whitehall Branch	36450 Main Street	Whitehall, WI 54773

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