Total Assets
$386M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$371M
Customer-funded liabilities
Net Loans
$142M
Outstanding loan book
Net Income
$-779K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.20%
Return on Equity (ROE)
-252.92%
Efficiency Ratio
105.24%
What the numbers say about First National Bank & Trust Company
First National Bank & Trust Company is an FDIC-insured institution (Certificate #3639) headquartered in Clinton, Illinois, established in 1872. It holds $386M in total assets - 2,128th of 4,313 FDIC-insured banks, $371M in customer deposits, and $142M in net loans. Looking at capital strength, Tier 1 stands at 12.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 8.34%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (51/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First National Bank & Trust Company ranks 125th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First National Bank & Trust Company's health grade?▼
First National Bank & Trust Company receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First National Bank & Trust Company?▼
First National Bank & Trust Company holds $386M in total assets and $371M in deposits, ranking 2,128th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clinton, Illinois.
Is my money safe at First National Bank & Trust Company?▼
Yes, deposits at First National Bank & Trust Company (Certificate #3639) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank & Trust Company's Tier 1 Capital Ratio?▼
First National Bank & Trust Company has a Tier 1 Capital Ratio of 12.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank & Trust Company?▼
First National Bank & Trust Company has a Texas Ratio of 8.34%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank & Trust Company?▼
First National Bank & Trust Company has an Efficiency Ratio of 105.24%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank & Trust Company's profile as a depositor or analyst.
- First National Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank & Trust Company against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.