Total Assets
$388.1M
Total Deposits
$364.9M
Branches
4
Established
1872
First National Bank & Trust Company is a bank headquartered in Clinton, Illinois, established in 1872. It holds $388.1M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank & Trust Company earns a TFS Financial Health Grade of D- (49.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
49.0 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 26, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First National Bank & Trust CompanyHQ | 2 Kelli Ct | Clinton | IL | 11 |
| First National Bank & Trust Company | 131 W Main St | Arcadia | WI | 11 |
| First National Bank & Trust Company | 1550 E Main St | Arcadia | WI | 11 |
| First National Bank & Trust Company | 36450 Main St | Whitehall | WI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
occ
AA-CE-2025-30
The Office of the Comptroller of the Currency lists a formal agreement for this institution, dated 2025-07-16. See the official order for its terms. The current status has not been independently established.
Official documents last verified Invalid Date
Data sourced from FDIC and OCC enforcement records; NCUA catalog monitored. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
49.0
Tier 1 capital ratio
7.79%
Return on assets
0.49%
Non-performing loans
0.88%
Efficiency ratio
71.94%
Asset growth (YoY)
-6.45%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.