TellerScore

First National Bank & Trust Company (FDIC certificate #3639) is based in Clinton, Illinois. Its Q2 2026 call report shows $388.1M in total assets and $364.9M in deposits and 4 offices across 2 states.

First National Bank & Trust Company has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 280th. Funding & liquidity contributes the most (94/100, 43% loans-to-deposits, 21% uninsured); capital cushion contributes the least (28/100, 7.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Tier 1 leverage ratio: 7.79%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.88%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 42.7% · 21.1% uninsured
Problem-loan coverage46/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 27.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (51 → 53), mostly because the earnings component improved by 30 points.

TellerScore
415160Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202458
Q4 202452
Q1 202546
Q2 202551
Q3 202541
Q4 202555
Q1 202655
Q2 202653
Tier 1 leverage ratio
5.00%6.39%7.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.62%
Q3 20247.40%
Q4 20247.39%
Q1 20257.42%
Q2 20257.40%
Q3 20257.58%
Q4 20257.44%
Q1 20267.78%
Q2 20267.79%
Noncurrent loans
0.06%0.52%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.15%
Q4 20240.19%
Q1 20250.33%
Q2 20250.21%
Q3 20250.92%
Q4 20250.12%
Q1 20260.98%
Q2 20260.88%
Return on assets
-0.25%0.41%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 2024-0.06%
Q4 2024-0.08%
Q1 2025-0.08%
Q2 2025-0.25%
Q3 2025-0.21%
Q4 2025-0.20%
Q1 20261.08%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$388.1M7.79%0.88%0.49%42.7%
Q1 202655$383.8M7.78%0.98%1.08%40.0%
Q4 202555$386.4M7.44%0.12%-0.20%38.2%
Q3 202541$391.6M7.58%0.92%-0.21%38.1%
Q2 202551$400.3M7.40%0.21%-0.25%31.5%
Q1 202546$393.6M7.42%0.33%-0.08%31.6%
Q4 202452$387.3M7.39%0.19%-0.08%31.1%
Q3 202458$396.7M7.40%0.15%-0.06%31.3%
Q2 202460$381.2M7.62%0.06%-0.03%32.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.79%
2nd
Total risk-based capital12.58%
55th
Problem loans0.88%
31st
Net charge-offs0.11%
18th
Return on assets0.49%
12th
Net interest margin2.54%
3rd
Efficiency ratio71.9%
26th
Loans to deposits42.7%
95th
Uninsured deposits21.1%
61st
Loan-loss reserves0.72%
8th
Texas ratio27.1%
3rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Byron BankBank Byron, IL69 out of 100, Moderate$384.4M10.2%1.28%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
First National Bank of PanaBank Pana, IL78 out of 100, Strong$394.8M10.5%0.07%vs
First Secure Bank and Trust Co.Bank Palos Hills, IL39 out of 100, Low$396.2M11.5%6.29%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Peoples Bank of Kankakee CountyBank Bourbonnais, IL66 out of 100, Moderate$375.6M7.7%0.32%vs

Deposit insurance

Is my money safe at First National Bank & Trust Company?

Yes. First National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #3639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.1% of deposits ($76.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.58% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First National Bank & Trust Company lists 4 offices in 3 cities across 2 states. Most locations:

  • Arcadia, WI (2)
  • Clinton, IL (1)
  • Whitehall, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank & Trust Company
Former names
The de Witt County National Bank of Clinton; First National Bank and Trust Company of Clinton
Type
National bank
FDIC certificate #
3639
RSSD ID
32234
Primary regulator
OCC
Holding company
Ts Banking Group Inc
Established
June 1, 1872
Headquarters
2 Kelli Ct, Clinton, IL 61727
Employees
49

Quick answers

First National Bank & Trust Company: common questions

Is First National Bank & Trust Company FDIC insured?

Yes. First National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #3639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank & Trust Company's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #3639 in the FDIC failed bank list.

How many branches does First National Bank & Trust Company have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Clinton

InstitutionScoreAssetsCapitalProblem loansCompare
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Staley Credit UnionCredit union Decatur, IL80 out of 100, Strong$228.5M11.8%0.13%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs