Institution Class	Commercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary Regulator	OCC
Established Date	07/01/1882
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	53511
State and County Number	55105
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	07
Numeric code	3
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	Chicago
Core Based Statistical Area Name	Janesville-Beloit, WI

Operational Info

Number of Employees	221
Domestic Offices	18
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	01/01/2026
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	01/30/2026
CERT	5285
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.59B
Total Deposits	$1.39B
Total Liabilities	$1.47B
Total Equity Capital	$125.07M
Net Income	$-7,882,000
Net Loans and Leases	$987.95M
Assets Per Employee ($Millions)	$7.69M
Bank Premises and Fixed Assets	$16.95M
Cash and Balances due from Depository Institutions	$169.11M
Deposits Held in Domestic Offices	$1.39B

Return on Assets (ROA)	-2.02%
Return on Equity (ROE)	-24.89%
Net Interest Margin	3.36%
Efficiency Ratio	131.34%
Tier 1 Risk-Based Capital Ratio	11.269%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	7.858%
Earning Assets to total Assets	91.77%

Total Interest Income	$16.49M
Total Noninterest Income	$3.60M
Total Interest Expense	$4.46M
Total Noninterest Expense	$20.56M
Net Interest Income	$12.02M
Pre-tax Net Operating Income	$-4,944,000
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$0
Other borrowed funds	$65.00M
Federal Funds Sold & Reverse Repurchase Agreement	$577.00k
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$15.09M
Total Liabilities and Capital	$1.59B

Securities	$333.86M
Available-for-sale debt securities	$325.14M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$8.71M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of The First National Bank and Trust Company?

$1.59B as of the latest filing.

How much are The First National Bank and Trust Company's total deposits?

$1.39B in total deposits.

Where is The First National Bank and Trust Company located?

Beloit, WI.

What is the Net Interest Margin?

3.36%.

How many domestic offices does it operate?

18.

When was it established?

07/01/1882.

What is the Return on Assets (ROA)?

-2.02%.

How much are total loans and leases?

$987.95M (latest filing).

What is the total interest income (latest filing)?

$16.49M.