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Overview / Commentary
800-667-4401
345 East Grand Avenue
Beloit, WI 53511

First National Bank and Trust Company (WI) is headquartered in Beloit and is the 16th largest bank in the state of Wisconsin. It is also the 688th largest bank in the nation. It was established in 1882 and as of September of 2017, it had grown to 290 employees at 17 locations. First National Bank and Trust Company (WI) has a B+ health rating.

Reviews (1)

My experience with First National Bank

Posted by: Quasamsto | Nov 11, 2017

My experience with First National Bank and Trust has mostly been a good one. I have a checking account, a savings account, a certificate of deposit, and a secured credit card through them. If you do not get paper account statements then there are no monthly fees unless you overdraft. They have minimum account balances and overdraft fees like any other bank but you can sign up for alerts if you want to. Their mobile app is easy to use. You can view all of your accounts simultaneously and can easily transfer funds between accounts with the click of a button. The only thing I do not like about the bank is that the interest rates they pay are not competitive with bigger banks. I have banked with them since I have had a bank account. I banked at other banks and did not like them as much as First National Bank and Trust.



Health
B+

Health Grade Components

Overall
FDIC Certificate #5285
Year Established1882
Employees290
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD7.65%
Annual Interest Income$29.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.09B$1.14B
LoansQ3 2017vs Q3 2016$752.7MM$730.3MM
DepositsQ3 2017vs Q3 2016$944.3MM$992.7MM
Equity CapitalQ3 2017vs Q3 2016$125.8MM$121.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$8.4MM$9.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.9MM$1.8MM
Real Estate OwnedQ3 2017vs Q3 2016$681.00K$541.00K
Rates

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