First National Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust Company is an FDIC-insured commercial bank headquartered in Clinton, IL, established in 1872 (FDIC certificate 3639), and it is supervised by the OCC. At Q2 2026 it reported total assets of $386.4M, down 3.5% from Q2 2025, the 124th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3639
- Headquarters
- Clinton, IL
- Established
- 1872
- Total assets, Q2 2026
- $386.4M
- Assets vs Q2 2025
- -3.5%
- CET1 ratio, Q2 2026
- 11.37%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071103952
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank and Trust Company call report
- Holding company
- TS CONTRARIAN BANCSHARES, INC.
- Asset rank in state
- 124th of 319 in Illinois
Problem loans are rising at First National Bank and Trust Company. Its balance sheet stood at $386 million at June 30, 2026, down 3.5% 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 $2.44 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 $2.3 million in the quarter. Over the same year, loans grew 28.2% and deposits shrank 5.4%. Its margin is thin by comparison: it keeps 2.44 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 11.37%, a return on assets of -2.44%, a nonperforming-loan ratio of 0.88% and a Texas ratio of -971.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank and Trust Company is the 124th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $386.4M, loans rose 6.8% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.5%. The FDIC Summary of Deposits lists 4 offices for it, in Clinton, IL, Arcadia, WI and Whitehall, WI; its Clinton office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank and Trust Company meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $364.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $85K
- Average total assets
- $376.3M
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First National Bank and Trust Company's total assets moved between a low of $366.5M (Q3 2023) and a high of $400.3M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$386.4M total assets against $400.3M; $383.5M total liabilities against $400.2M.
$155.9M net loans and leases against $121.5M; $364.9M total deposits against $385.6M.
$191.7M securities against $225.4M; $8.3M cash and balances due against $18.9M.
$4.2M total interest income against $3.9M; $1.9M total interest expense against $2.1M.
$2.3M net interest income against $1.8M.
$85K total noninterest income against $117K; $2.5M total noninterest expense against $2.4M.
$3.0M provision for credit losses against $268K.
-$2.3M net income against -$419K.
-2.44% return on assets against -0.44%; 2.44% net interest margin against 2.05%.
11.37% CET1 capital ratio against 12.94%; 7.22% tier 1 leverage ratio against 7.40%.
Inside the full First National Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank and Trust Company rankings
Its closest position to the top of a national ranking is 2,103 of 4,196, for total assets; its furthest is 3,593 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.44% (Q2 2026) to 1.11% (Q1 2026) and its net interest margin ran from 1.99% (Q3 2024) to 2.45% (Q1 2026).
| 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
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 379 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $386.4 million in its FFIEC call report.
Where is First National Bank and Trust Company headquartered?
It is headquartered in Clinton, IL, United States.
When was First National Bank and Trust Company founded?
It was established in 1872, per the FDIC institution directory.
Is First National Bank and Trust Company FDIC-insured?
Yes. It 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.
What is First National Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does First National Bank and Trust Company operate?
It 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?
Its Texas Ratio is -971.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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