Bank · FDIC insured
First National Bank and Trust Company
A $388.1M bank headquartered in Clinton, IL, with 4 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings—1.51%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank and Trust Company
- Headquarters
- 2 Kelli Ct, Clinton, IL 61727
- FDIC certificate
- 3639 ↗
Branches
4 branches in 2 states
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Wisconsin
3 branches
Arcadia area · 2
- East Main Street Branch1550 E Main St, Arcadia, WI 54612Directions
- State Bank Of Arcadia Branch131 W Main St, Arcadia, WI 54612Directions
Whitehall area · 1
- Whitehall Branch36450 Main St, Whitehall, WI 54773Directions
Illinois
1 branch
- First National Bank & Trust CompanyMain office2 Kelli Ct, Clinton, IL 61727Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.88% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.49% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $43 | $81 | — |
- CapitalLeverage ratio7.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.88%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.49%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$43Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank and Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.