Is Fnbc Bank&Trust Safe?
Fnbc Bank&Trust has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (46/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.58% | 100/100 |
| Nonperforming Loan Ratio | 0.04% | 99/100 |
| Liquidity Ratio | 41.36% | 100/100 |
| Return on Assets | 0.66% | 46/100 |
| Total Assets | $0.6B | |
How does Fnbc Bank&Trust compare?
With a Bank Health Score of 94/100, Fnbc Bank&Trust sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Fnbc Bank&Trust ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 17.58% 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 0.04% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fnbc Bank&Trust's Bank Health Score improved by 1.0 points to 94/100. Tier 1 capital weakened by 0.69 percentage points to 17.58%. Quarter-over-quarter, the score rose by 1.0 points.
Fnbc Bank&Trust has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (46/100).