First National Bank & Trust Company

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 194^th largest bank in the state of Illinois. It is also the 2,884^th largest bank in the nation. It was established in 1872 and as of September of 2021, it had grown to 30 employees at 1 location. First National Bank & Trust Company has an A+ health rating.

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Health

A+

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	3639
Year Established	1872
Employees	30
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	6.05%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$235.9MM$204.3MM
Loans	Q3 2021vs Q3 2020	$34.1MM$29.9MM
Deposits	Q3 2021vs Q3 2020	$192.4MM$172.2MM
Equity Capital	Q3 2021vs Q3 2020	$35.5MM$18.4MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$168.00K$99.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$143.00K$54.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$37.00K

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
0.15%	-	-	Kasasa Saver
0.02%	-	-	Select Savings

First National Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.06%^*	$100k^*	-	Prime Plus Money Market
OTHER TIERS: 0.03% → $2.5k - $50k \| 0.04% → $50k - $100k

First National Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.15% → $10k+
0.01%	$1k	-	FNBT Checking Plus

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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