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The First National Bank and Trust Company


The First National Bank and Trust Company is an FDIC insured institution headquartered at 345 E Grand Ave, Beloit, WI 53511.
It was founded in 1882 and has approximately $2 billion in assets. Customers can open an account at one of its 17 branches.

Deposit Rates - June 29, 2026

SAVINGS RATES APY MIN
Savings
0.01% $1 Compare
CD RATES APY MIN
6 Mo CD
0.12% $1,000 Compare
12 Mo CD
0.16% $1,000 Compare
Special: 13 Mo CD
0.40% $5,000 Compare
18 Mo CD
0.16% $1,000 Compare
24 Mo CD
0.23% $1,000 Compare
30 Mo CD
0.23% $1,000 Compare
36 Mo CD
0.34% $1,000 Compare
48 Mo CD
0.40% $1,000 Compare
60 Mo CD
0.78% $1,000 Compare
MM RATES APY MIN
Money Market
0.01% $1 Compare
Money Market
0.01% $10,000 Compare
Money Market
0.01% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 13 Mo FIRA
0.40% $5,000
VARIABLE IRA RATES APY MIN
Var IRA
0.02% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5285
Date Established 1882
Assets $ 1,530.41 million
Loans $ 987.95 million
Deposits $ 1,386.47 million
Capital $ 125.07 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 169.11 million
Interest-bearing balances $ 138.28 million
Total securities $ 333.86 million
Federal funds sold and reverse repurchase $ 0.58 million
Net loans and leases $ 987.95 million
Loan loss allowance $ 12.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 28.53 million
All other assets $ 69.42 million
     Total Assets $ 1,466.56 million

LIABILITIES
Total deposits $ 1,386.47 million
      Interest-bearing deposits $ 1,060.15 million
      Deposits held in domestic offices $ 1,386.47 million
      % insured (estimated)" 81.21%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.00 million
Subordinated debt N.A.
All other liabilities $ 8.91 millionn
      Total Liabilities $ 1,466.56 million
      Shareholders’ Equity $ 63.86 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 65.51 million
Total Interest Expense $ 22.80 million
Net interest income $ 42.71 million
Provision for loan and lease losses $ 0.13 million
Total non interest income $ 17.53 million
Total non interest expense $ 55.57 million
Pre-tax Net Operating Income $ 7.51 million

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