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 114^th largest bank in the state of Illinois. It is also the 2,049^th largest bank in the nation. It was established in 1872 and as of March of 2022, it had grown to 58 employees at 5 locations. First National Bank & Trust Company has a B+ health rating.

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Health

B+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	3639
Year Established	1872
Employees	58
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	4.33%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$402.2MM$203.0MM
Loans	Q1 2022vs Q1 2021	$115.2MM$32.3MM
Deposits	Q1 2022vs Q1 2021	$375.2MM$171.4MM
Equity Capital	Q1 2022vs Q1 2021	$20.6MM$18.1MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$191.00K$125.00K
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$867.00K$1,000
Real Estate Owned	Q1 2022vs Q1 2021	$0$24.00K

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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