First National Bank & Trust Company

Overview / Commentary
2 Kelli Court
Clinton, IL 61727

First National Bank & Trust Company is headquartered in Clinton and is the 114th largest bank in the state of Illinois. It is also the 2,049th 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 Grade Components

FDIC Certificate #3639
Year Established1872
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD4.33%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$402.2MM$203.0MM
LoansQ1 2022vs Q1 2021$115.2MM$32.3MM
DepositsQ1 2022vs Q1 2021$375.2MM$171.4MM
Equity CapitalQ1 2022vs Q1 2021$20.6MM$18.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$191.00K$125.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$867.00K$1,000
Real Estate OwnedQ1 2022vs Q1 2021$0$24.00K
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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

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

First National Bank & Trust Company Money Market Rates

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

1.51%*-$10kKasasa Cash Checking
OTHER TIERS: 0.15% $10k+
0.01%$1k-FNBT Checking Plus

First National Bank & Trust Company Locations
First National Bank & Trust Company2 Kelli CtClinton, IL 61727
State Bank Of Arcadia Branch131 West Main StreetArcadia, WI 54612
East Main Street Branch1550 East Main StreetArcadia, WI 54612
Independence Branch (Cedar Street)23513 Cedar StreetIndependence, WI 54747
Whitehall Branch36450 Main StreetWhitehall, WI 54773

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