First National Bank & Trust Company

Headquarters

2 Kelli Court
Clinton, IL 61727
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.07% 0.95% →
1-Year CD 0.17% 1.01% →
2-Year CD 0.33% 0.95% →
5-Year CD 0.65% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First National Bank & Trust Company is an FDIC insured institution located in Clinton, IL. It was founded in 1872 and has approximately $0.18 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3639
Date Established 1872
Assets $ 183.85 million
Loans $ 22.30 million
Deposits $ 162.24 million
Capital $ 14.66 million
 

For a more detailed analysis of First National Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.07% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.11% $10,000 $14,999 Learn More
6 Mo CD
0.14% $100,000 $199,999 Learn More
12 Mo CD
0.14% $10,000 $14,999 Learn More
12 Mo CD
0.17% $100,000 $199,999 Learn More
18 Mo CD
0.19% $10,000 $14,999 Learn More
18 Mo CD
0.22% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.33% $100,000 $199,999 Learn More
36 Mo CD
0.47% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.62% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank & Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
First Internet Bank
NMLS ID: 424182
2.573% 2.500% 1.00 $2,400 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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Note to First National Bank & Trust Company
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Branches

First National Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank & Trust Company Locations


Financial Details

First National Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank & Trust Company U.S. Bank Average
0.56% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First National Bank & Trust Company had $83,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,663,000 in equity and $64,000 in loans loss reserves. That gives it a Texas Ratio of 0.56%.

Return on Equity
First National Bank & Trust Company U.S. Bank Average
6.83% 7.80%

First National Bank & Trust Company has a Return on Equity of 6.83% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank & Trust Company U.S. Bank Average
7.98% 12.68%

First National Bank & Trust Company has a Capitalization of 7.98% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank & Trust Company Balance Sheet Analysis

As of March 31, 2020, First National Bank & Trust Company had assets of $183,847,000, loans of $22,299,000, and deposits of $162,241,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 4.14 million
Interest-bearing balances $ 0.61 million
Total securities $ 143.70 million
Federal funds sold and reverse repurchase $ 5.02 million
Net loans and leases $ 22.30 million
Loan loss allowance $ 0.06 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.91 million
All other assets $ 4.78 million
     Total Assets $ 169.18 million
LIABILITIES
Total deposits $ 162.24 million
      Interest-bearing deposits $ 142.24 million
      Deposits held in domestic offices $ 162.24 million
      % insured (estimated) 81.08%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 1.94 million
      Total Liabilities $ 169.18 million
      Shareholders’ Equity $ 14.66 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.42 million
Total Interest Expense $ 0.42 million
Net interest income $ 1.00 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.06 million
Total non interest expense $ 1.32 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First National Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, First National Bank & Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 43.08
Multifamily
Mortgages
0.31
Credit Card Loans 0.00
Consumer Auto Loans 1.62
Small Business Loans 0.00
Construction and Development Loans 3.36
Commercial Real Estate 18.57
Commercial and Industrial Loans 12.32
Farm Loans 3.93

Frequently Asked Questions About First National Bank & Trust Company

Branches and Savings

Is First National Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #3639.

Why does First National Bank & Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank & Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank & Trust Company a commercial bank?

Yes

Where are First National Bank & Trust Company locations?

See branch locations nearby.

Is First National Bank & Trust Company open on Saturdays?

Is First National Bank & Trust Company open on Sundays?

What time does First National Bank & Trust Company open?

What time does First National Bank & Trust Company close?

Are First National Bank & Trust Company ATMs Open 24/7?

Do First National Bank & Trust Company ATMs accept cash deposits?

Can First National Bank & Trust Company customers use other ATMs?

Do First National Bank & Trust Company branches have notaries?

Will First National Bank & Trust Company notarize my document?

What address for First National Bank & Trust Company should I put for incoming ACH transfers?

Will the First National Bank & Trust Company branch print checks?

Do First National Bank & Trust Company checks expire?

Does First National Bank & Trust Company require US citizenship to open account?

Can First National Bank & Trust Company close my account?

Does First National Bank & Trust Company Report to credit bureaus?

Does First National Bank & Trust Company Use Equifax?

What is First National Bank & Trust Company's ACH Routing Number?

What is First National Bank & Trust Company's SWIFT code?

Products

Does First National Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does First National Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does First National Bank & Trust Company offer student loans?

Will First National Bank & Trust Company cash a check?

Will First National Bank & Trust Company redeem a savings bond?

Does First National Bank & Trust Company cash savings bonds?

Will First National Bank & Trust Company cash money orders?

Can First National Bank & Trust Company issue a money order?

Does First National Bank & Trust Company do currency exchange?

Background on The Bank

Who owns First National Bank & Trust Company?

How long has First National Bank & Trust Company been around?

Can First National Bank & Trust Company transfer to other banks?

Does First National Bank & Trust Company have quick pay?

Does First National Bank & Trust Company accept rolled coins?

Will First National Bank & Trust Company accept loose change?

Where is First National Bank & Trust Company headquarters?

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