First National Bank and Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First National Bank and Trust Company. Its balance sheet stood at $388 million at June 30, 2026, down 3.0% from a year earlier; it is based in Clinton, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.88% of loans from 0.21% a year earlier. It loses about $0.09 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $88,000 in the quarter. Over the same year, loans grew 28.2% and deposits shrank 5.4%. Its margin is thin by comparison: it keeps 2.73 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, First National Bank and Trust Company reported a CET1 capital ratio of 12.10%, a return on assets of -0.09%, a nonperforming-loan ratio of 0.88% and a Texas ratio of 137.04%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2 Kelli Ct, Clinton, IL 61727
- County
- De Witt
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1872
- Former names
- First National Bank & Trust Company (2000); First National Bank and Trust Company of Clinton (1974-2000)
- Offices
- 4 domestic
- Employees (FTE)
- 49
- Domestic deposits
- $364.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $85K
- Average total assets
- $377.6M
- Average total loans
- $152.5M
- Average interest-bearing deposits
- $329.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3639
- Fed RSSD
- 32234
- SEC CIK
- 1873063 → filed by TS BANKING GROUP, INC.
- Website
- www.firstnbtc.com →
- Parent Holding Company
- TS CONTRARIAN BANCSHARES, INC. (RSSD 4718134)
- Ultimate Parent
- TS BANKING GROUP, INC. (RSSD 1207785)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank and Trust Company terminal
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Unlock First National Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
First National Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.37% | -2.44% | 0.88% | -971.83% | 2.44% |
| Q1 2026 | 12.49% | 1.11% | 0.98% | -876.22% | 2.45% |
| Q4 2025 | 12.14% | -0.18% | 0.12% | -7.19% | 2.40% |
| Q3 2025 | 11.83% | -0.12% | 0.92% | -45.63% | 2.37% |
| Q2 2025 | 12.94% | -0.44% | 0.21% | -6.36% | 2.05% |
| Q1 2025 | 13.04% | -0.08% | 0.33% | -9.14% | 2.14% |
| Q4 2024 | 12.98% | -0.13% | 0.19% | -4.71% | 2.18% |
| Q3 2024 | 12.68% | -0.14% | 0.15% | -3.06% | 1.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank & Trust Company | Clinton , IL | 61727 | $250.8M |
| State Bank of Arcadia Branch | Arcadia , WI | 54612 | $78.3M |
| Whitehall Branch | Whitehall , WI | 54773 | $30.9M |
| East Main Street Branch | Arcadia , WI | 54612 | $5.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired State Bank of Arcadia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First National Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- July 16, 2025, OCC: Formal Agreement: First National Bank & Trust Company
- Period: Most recent institution action July 16, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 182 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 13 applications, 10 loans originated, $1.0M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank and Trust Company
What are First National Bank and Trust Company's total assets?
As of the Q2 2026 filing, First National Bank and Trust Company reported total assets of $388.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank and Trust Company headquartered?
First National Bank and Trust Company is headquartered in Clinton, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First National Bank and Trust Company founded?
First National Bank and Trust Company was established in 1872, per the FDIC institution directory.
Is First National Bank and Trust Company FDIC-insured?
Yes. First National Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #3639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust Company?
First National Bank and Trust Company's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank and Trust Company's CET1 capital ratio?
First National Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does First National Bank and Trust Company operate?
First National Bank and Trust Company operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust Company's Texas Ratio?
First National Bank and Trust Company's Texas Ratio is 137.04% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First National Bank and Trust Company previously called?
The charter now named First National Bank and Trust Company has also operated as First National Bank & Trust Company (2000), First National Bank and Trust Company of Clinton (1974-2000), per FDIC structure-change records.
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