First National Bank & Trust Company


First National Bank & Trust Company is an FDIC insured institution headquartered at 2 Kelli Ct, Clinton, IL 61727.
It was founded in 1872 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - April 04, 2025

SAVINGS RATES APY MIN
Savings
0.07% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.11% $10,000 Compare
6 Mo CD
0.14% $100,000 Compare
12 Mo CD
0.14% $10,000 Compare
12 Mo CD
0.17% $100,000 Compare
18 Mo CD
0.19% $10,000 Compare
18 Mo CD
0.22% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.33% $100,000 Compare
36 Mo CD
0.47% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
60 Mo CD
0.62% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3639
Date Established 1872
Assets $ 412.09 million
Loans $ 123.01 million
Deposits $ 393.01 million
Capital $ 13.90 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 9.66 million
Interest-bearing balances $ 4.45 million
Total securities $ 244.94 million
Federal funds sold and reverse repurchase $ 4.44 million
Net loans and leases $ 123.01 million
Loan loss allowance $ 0.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 5.66 million
All other assets $ 18.57 million
     Total Assets $ 398.19 million

LIABILITIES
Total deposits $ 393.01 million
      Interest-bearing deposits $ 356.84 million
      Deposits held in domestic offices $ 393.01 million
      % insured (estimated)" 74.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.80 millionn
      Total Liabilities $ 398.19 million
      Shareholders’ Equity $ 13.90 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 11.15 million
Total Interest Expense $ 5.80 million
Net interest income $ 5.35 million
Provision for loan and lease losses $ 0.34 million
Total non interest income $ 0.84 million
Total non interest expense $ 6.51 million
Pre-tax Net Operating Income $ 1.12 million

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Branches

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First National Bank & Trust Company Locations