First National Bank & Trust Company is a bank based in Clinton, Illinois, established in 1872, with $384 million in total assets across 4 branches. By Trust Grade it ranks 326th of 328 banks we track in Illinois. Its capital ratio of 0.8% trails most similarly sized banks (0th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.08% return on assets. No consumer complaints against First National Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank & Trust Company compares to Illinois peers
How we graded First National Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (0.8%)
- Strongly profitable (ROA 1.08%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 2 Kelli Ct, Clinton, IL 61727
- 1550 E Main St, Arcadia, WI 54612
- 36450 Main St, Whitehall, WI 54773
- 131 W Main St, Arcadia, WI 54612
Are deposits at First National Bank & Trust Company insured?
Yes. First National Bank & Trust Company is an FDIC-insured bank (FDIC certificate #3639). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank & Trust Company: frequently asked questions
Is First National Bank & Trust Company a good bank?
First National Bank & Trust Company earns a Bankzia Trust Grade of F (38/100, "Weak"), based on a financial-strength score of 38/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (0.8%); Strongly profitable (ROA 1.08%).
Is First National Bank & Trust Company FDIC-insured?
Yes. First National Bank & Trust Company is a FDIC-insured bank (FDIC certificate #3639). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank & Trust Company?
First National Bank & Trust Company holds $384 million in total assets, ranking 326th of 328 banks we track in Illinois. It operates 4 branches.
Does First National Bank & Trust Company have CFPB complaints?
No CFPB complaints against First National Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
