Is First National Bank&Trust Co Safe?
First National Bank&Trust Co has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (14/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.75% | 90/100 |
| Nonperforming Loan Ratio | 0.06% | 99/100 |
| Liquidity Ratio | 61.21% | 100/100 |
| Return on Assets | -0.16% | 14/100 |
| Total Assets | $0.4B | |
How does First National Bank&Trust Co compare?
With a Bank Health Score of 88/100, First National Bank&Trust Co sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, First National Bank&Trust Co ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.75% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.06% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First National Bank&Trust Co's Bank Health Score improved by 2.0 points to 88/100. Tier 1 capital strengthened by 0.27 percentage points to 13.75%. Quarter-over-quarter, the score fell by 1.0 points.
First National Bank&Trust Co has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (14/100).