First National Bank & Trust Company
Clinton, IL
IDRSSD: 32234
Total Assets
$400.42M
Latest filing
Total Deposits
$371.45M
Latest filing
Net Interest Margin
2.30%
Profitability
Key People
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Locations
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Main Office
First National Bank & Trust Company
2 Kelli Ct
Clinton, IL 61727
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1872FDIC Certificate 2321
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank & Trust Company (Main) | 2 Kelli Ct | Clinton, IL |
| EAST MAIN STREET BRANCH | 1550 E Main St | Arcadia, WI |
| WHITEHALL BRANCH | 36450 Main St | Whitehall, WI |
| STATE BANK OF ARCADIA BRANCH | 131 W Main St | Arcadia, WI |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/01/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61727 |
| State and County Number | 17039 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstnbtc.com |
| Data Updated | 01/30/2026 |
| CERT | 3639 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $400.42M |
| Total Deposits | $371.45M |
| Total Liabilities | $385.49M |
| Total Equity Capital | $14.93M |
| Net Income | $-172,000 |
| Net Loans and Leases | $141.99M |
| Assets Per Employee ($Millions) | $8.17M |
| Bank Premises and Fixed Assets | $5.07M |
| Cash and Balances due from Depository Institutions | $10.53M |
| Deposits Held in Domestic Offices | $371.45M |
Key Performance Ratios
| Return on Assets (ROA) | -0.17% |
| Return on Equity (ROE) | -4.6% |
| Net Interest Margin | 2.3% |
| Efficiency Ratio | 107.75% |
| Tier 1 Risk-Based Capital Ratio | 12.799% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 3.729% |
| Earning Assets to total Assets | 91.26% |
Income and Expense
| Total Interest Income | $4.09M |
| Total Noninterest Income | $216.00k |
| Total Interest Expense | $1.97M |
| Total Noninterest Expense | $2.56M |
| Net Interest Income | $2.12M |
| Pre-tax Net Operating Income | $-276,000 |
| Provision for Credit Losses | $49.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $8.99M |
| All Other Liabilities | $5.05M |
| Total Liabilities and Capital | $400.42M |
Securities
| Securities | $218.95M |
| Available-for-sale debt securities | $42.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $176.97M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank & Trust Company?
$400.42M as of the latest filing.
How much are First National Bank & Trust Company's total deposits?
$371.45M in total deposits.
Where is First National Bank & Trust Company located?
Clinton, IL.
What is the Net Interest Margin?
2.30%.
How many domestic offices does it operate?
4.
When was it established?
06/01/1872.
What is the Return on Assets (ROA)?
-0.17%.
How much are total loans and leases?
$141.99M (latest filing).
What is the total interest income (latest filing)?
$4.09M.