FIRST NATIONAL BANK&TRUST CO
CLINTON, ILLINOIS · FDIC Cert #3639
Capital & Safety Analysis
According to FDIC financial data, FIRST NATIONAL BANK&TRUST CO holds a Tier 1 capital ratio of 13.75%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST NATIONAL BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST NATIONAL BANK&TRUST CO shows strong financial health indicators. With $397M in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST NATIONAL BANK&TRUST CO has a Bank Health Score of A (88/100). It holds a Tier 1 capital ratio of 13.75%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NATIONAL BANK&TRUST CO holds $397M in total assets and $380M in total deposits. It is located in CLINTON, ILLINOIS (FDIC Certificate #3639).
FIRST NATIONAL BANK&TRUST CO has a Tier 1 capital ratio of 13.75%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.06%, and the return on assets is -0.16%.
Yes. FIRST NATIONAL BANK&TRUST CO is FDIC-insured (Certificate #3639). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.