FDIC Cert #3639 · Clinton, Illinois · Est. 1872

First National Bank & Trust Company - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$386M
Total assets
C
Health grade · Fair
-0.20%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank & Trust Company earns a PlainBankData health grade of C (51/100), with well-capitalized at 12.14% Tier 1, -0.20% ROA, 105% efficiency ratio.

#2,128
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
12.14%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 3639 · IL C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4111/4307
  • PHOTO-FINISH Mauch Chunk Trust Co… · PA
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 8.3% Texas
  • ROA-LOSS -0.20% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Mauch Chunk Trust Company, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Arvest Bank · AR · near51/100Bank of Wiggins · MS · near51/100First National Bank… · IL · …51/100Kerndt Brothers Savi… · IA ·…51/100Mauch Chunk Trust Co… · PA ·…51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank & Trust Company · July 2026

Call Report read for First National Bank & Trust Company in a high-failure state

First National Bank & Trust Company (FDIC Cert #3639) carries a PlainBankData health grade of C at 51/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,111 of 4,307. Tier 1 capital prints at 12.14%, clearing the 10% well-capitalized line. The Texas Ratio is 8.34%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.20%. Balance-sheet scale is $386M, 2,128th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mauch Chunk Trust Company (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank & Trust Company

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

First National Bank & Trust Company sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about First National Bank & Trust Company's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How First National Bank & Trust Company's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
First National Bank & Trust Company's composite health score
Tier 1 Capital Ratio (12.14%) 35/40
Return on Assets (ROA) (-0.20%) 0/25
Texas Ratio (8.34%) 16/20
Efficiency Ratio (105.24%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$386M

Total balance-sheet footings

Total Deposits

$371M

Customer-funded liabilities

Net Loans

$142M

Outstanding loan book

Net Income

$-779K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.74% 12.14% 13.54%
Basel III capital ratios - First National Bank & Trust Company

Where First National Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank & Trust Company's score of 51/100 falls in the highlighted band.

First National Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank & Trust Company's $386M falls in the highlighted band.

Capital & credit buffers at First National Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

12.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.14%
Texas Ratio
8.34%
Equity Capital
$911K

What these ratios mean →

Profitability metrics: First National Bank & Trust Company

Return on Assets (ROA)
4th percentile nationally
-0.20%
Return on Equity (ROE)
-252.92%
Efficiency Ratio
105.24%

What these mean →

Income & expense: loss period at First National Bank & Trust Company

$16M
Interest Income
$757K
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank & Trust Company reports a Texas Ratio of 8.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First National Bank & Trust Company

First National Bank & Trust Company's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-779K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First National Bank & Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First National Bank & Trust Company on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($386M here), outside Illinois so the neighborhood is not state containment.

Wolf River Community Bank $386M · WI Pacific West Bank $386M · OR The Shelby State Bank $386M · MI Lakeside Bank $386M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank & Trust Company (FDIC Cert #3639) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First National Bank & Trust Company Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%