FIRST NATIONAL BANK AND TRUST COMPANY

CLINTON, IL | Small | Est. June 1, 1872, midnight | FDIC #3639 | RSSD #32234 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CLINTON, IL, established in June 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $386M and total deposits of $371M. Profitability stands at -0.17% ROA and -8.67% ROE, with a net interest margin of 2.33%. The bank's CET1 capital ratio is 12.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3639.

Assets

$386M

Deposits

$371M

Loans

$143M

Equity

$911K

Profitability

Return on Assets (ROA) -0.17%
Return on Equity (ROE) -8.67%
Net Interest Margin (NIM) 2.33%
Yield on Assets 4.49%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 12.14%
Tier 1 Capital 12.14%
Total Capital Ratio 12.67%
Leverage Ratio 7.44%
Loan-to-Deposit 38.55%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required