First National Bank and Trust Company (WI)

Overview / Commentary
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 685th largest bank in the nation. It was established in 1882 and as of June of 2022, it had grown to 269 employees at 17 locations. First National Bank and Trust Company (WI) has an A health rating.

Reviews (1)

My experience with First National Bank

Posted by: |

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 Grade Components

FDIC Certificate #5285
Year Established1882
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-1.7%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.54B$1.44B
LoansQ2 2022vs Q2 2021$884.0MM$831.3MM
DepositsQ2 2022vs Q2 2021$1.36B$1.28B
Equity CapitalQ2 2022vs Q2 2021$106.4MM$141.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$11.0MM$11.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$743.00K$226.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Sorry, we do not have rate data for First National Bank and Trust Company (WI).



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