First National Bank & Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 120^th largest bank in the state of Illinois. It is also the 2,059^th largest bank in the nation. It was established in 1872 and as of March of 2025, it had grown to 53 employees at 4 locations. First National Bank & Trust Company has a B+ health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3639
Year Established	1872
Employees	53
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.08%
Return on Equity - YTD	-2.15%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$408.5MM$397.4MM
Loans	Q1 2025vs Q1 2024	$122.5MM$127MM
Deposits	Q1 2025vs Q1 2024	$388.1MM$377.2MM
Equity Capital	Q1 2025vs Q1 2024	$14.7MM$14.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$866K$835K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$407K$1,000
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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

Skip to rates for:

Savings
Money Market
Checking

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First National Bank & Trust Company; we are a rate comparison website and cannot provide official rates or promotions.

* 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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.