Banks | First National Bank & Trust Co.

First National Bank & Trust Co.

First National Bank & Trust Co. is an FDIC insured institution headquartered at 233 S Stephenson Ave, Iron Mountain, MI 49801.
It was founded in 1887 and has approximately $0 billion in assets. Customers can open an account at one of its 8 branches.

Deposit Rates - October 07, 2025

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$1,000	Compare
6 Mo CD	0.25%	$100,000	Compare
12 Mo CD	0.40%	$1,000	Compare
12 Mo CD	0.50%	$100,000	Compare
Special: 15 Mo CD	0.55%	$100	Compare
18 Mo CD	0.50%	$1,000	Compare
24 Mo CD	0.60%	$1,000	Compare
24 Mo CD	0.70%	$100,000	Compare
30 Mo CD	0.65%	$1,000	Compare
36 Mo CD	0.75%	$1,000	Compare
36 Mo CD	0.85%	$100,000	Compare
48 Mo CD	0.90%	$2,500	Compare
48 Mo CD	1.00%	$100,000	Compare
60 Mo CD	1.00%	$1,000	Compare
60 Mo CD	1.10%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$10,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.05%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
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Advertiser Disclosure

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

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Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-10-07
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
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No closing costs, prepayment penalties, or minimum draw requirements
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PenFed Credit Union
NMLS ID: 401822 / Updated 2025-10-07
Equal Housing Lender

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Loans Amounts from $25,000 - $500,000
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Farmers Bank of Kansas City
NMLS ID: 613839

6.145%

$1,919 Fees & Points $4,995 Total
0.971 Pts ($3,107)
$1,888 Fees

Competitive rates.
Surprisingly smooth process.

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 5062
Date Established	1887
Assets	$ 397.31 million
Loans	$ 201.64 million
Deposits	$ 342.50 million
Capital	$ 32.11 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 11.45 million
Interest-bearing balances	$ 2.81 million
Total securities	$ 163.24 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 201.64 million
Loan loss allowance	$ 3.91 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.31 million
Goodwill and other intangibles	$ 2.39 million
All other assets	$ 11.79 million
Total Assets	$ 365.20 million

LIABILITIES
Total deposits	$ 342.50 million
Interest-bearing deposits	$ 240.59 million
Deposits held in domestic offices	$ 342.50 million
% insured (estimated)"	90.70%
Federal funds purchased and repurchase agreements	$ 0.96 million
Trading liabilities	N.A.
Other borrowed funds	$ 0.93 million
Subordinated debt	N.A.
All other liabilities	$ 0.59 millionn
Total Liabilities	$ 365.20 million
Shareholders’ Equity	$ 32.11 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 8.14 million
Total Interest Expense	$ 1.91 million
Net interest income	$ 6.23 million
Provision for loan and lease losses	$ 0.30 million
Total non interest income	$ 1.98 million
Total non interest expense	$ 6.32 million
Pre-tax Net Operating Income	$ 1.13 million

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Branches

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