The First National Bank and Trust Company
Beloit, WI
IDRSSD: 207845
Total Assets
$1.53B
Latest filing
Total Deposits
$1.32B
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank and Trust Company
345 E Grand Ave
Beloit, WI 53511
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1882FDIC Certificate 3553
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The First National Bank and Trust Company (Main) | 345 E Grand Ave | Beloit, WI |
| ROCKTON BRANCH | 300 E Main St | Rockton, IL |
| WINNEBAGO BRANCH | 508 N Elida St | Winnebago, IL |
| INMAN PARKWAY BRANCH | 1882 E Inman Pkwy | Beloit, WI |
| THE MADISON ROAD BRANCH | 1795 Madison Rd | Beloit, WI |
| MOTOR BANK BRANCH | 1919 10th St | Monroe, WI |
| CLINTON BRANCH | 500 Peck Ave | Clinton, WI |
| DARIEN BRANCH | 218 N Walworth St | Darien, WI |
Showing 7 of 17
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 | 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 | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Janesville-Beloit, WI |
Operational Info
| Number of Employees | 231 |
| Domestic Offices | 18 |
| 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.bankatfirstnational.com |
| Data Updated | 11/14/2025 |
| CERT | 5285 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.53B |
| Total Deposits | $1.32B |
| Total Liabilities | $1.40B |
| Total Equity Capital | $128.27M |
| Net Income | $3.03M |
| Net Loans and Leases | $992.92M |
| Assets Per Employee ($Millions) | $6.92M |
| Bank Premises and Fixed Assets | $18.30M |
| Cash and Balances due from Depository Institutions | $31.00M |
| Deposits Held in Domestic Offices | $1.32B |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 9.64% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 74.69% |
| Tier 1 Risk-Based Capital Ratio | 11.741% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.381% |
| Earning Assets to total Assets | 91.43% |
Income and Expense
| Total Interest Income | $16.76M |
| Total Noninterest Income | $4.49M |
| Total Interest Expense | $6.13M |
| Total Noninterest Expense | $11.34M |
| Net Interest Income | $10.63M |
| Pre-tax Net Operating Income | $3.70M |
| Provision for Credit Losses | $76.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $67.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $350.00k |
| Federal Funds Purchased and Repurchased Agreement | $2.24M |
| All Other Liabilities | $15.42M |
| Total Liabilities and Capital | $1.53B |
Securities
| Securities | $400.32M |
| Available-for-sale debt securities | $391.60M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $8.71M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank and Trust Company?
$1.53B as of the latest filing.
How much are The First National Bank and Trust Company's total deposits?
$1.32B in total deposits.
Where is The First National Bank and Trust Company located?
Beloit, WI.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
18.
When was it established?
07/01/1882.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$992.92M (latest filing).
What is the total interest income (latest filing)?
$16.76M.