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First National Bank & Trust Company
Clinton, IL · FDIC Certificate #3639 · Chartered 06/0
Total assets
$388.11M
Total deposits
$364.93M
Total equity
$3.96M
Net loans
$155.85M
Branches (offices)
4
Net income (YTD)
$952.00K
Rank: #2,105 of 4,213 U.S. banks by assets · #126 of 322 in Illinois. Assets changed -3.0% and deposits -5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.49% |
| Return on equity | 72.37% |
| Net interest margin (YTD) | 2.54% |
| Equity to assets | 1.02% |
| Tier 1 leverage ratio | 7.79% |
| Uninsured deposits (share of deposits) | 21.1% |
| Noncurrent loans (share of loans) | 0.88% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 42.7% |
| Real estate loans (share of loans) | 77.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.98M | 77.6% | |
| Commercial & industrial | $18.11M | 11.6% | |
| Consumer / individual | $1.94M | 1.2% | |
| Construction & development | $1.49M | 1.0% | |
| Agricultural | $14.26M | 9.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $385.52M | $366.25M | $928.00K | $10.64M |
| Jun 2023 | $356.70M | $355.92M | -$3.41M | -$3.38M |
| Jun 2024 | $381.22M | $380.08M | -$49.00K | -$1.16M |
| Jun 2025 | $400.30M | $385.63M | -$499.00K | $134.00K |
| Jun 2026 | $388.11M | $364.93M | $952.00K | $3.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $250.77M | 1 |
| Wisconsin | $114.16M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $364.93M.
Similar-sized banks
Security State Bank Of Oklahoma ($388.24M) · Universal Bank ($388.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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