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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 - April 11, 2026

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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5062
Date Established 1887
Assets $ 412.11 million
Loans $ 206.08 million
Deposits $ 355.19 million
Capital $ 35.32 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 40.85 million
Interest-bearing balances $ 26.75 million
Total securities $ 142.39 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 206.08 million
Loan loss allowance $ 4.31 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.16 million
Goodwill and other intangibles $ 2.38 million
All other assets $ 11.79 million
     Total Assets $ 376.79 million

LIABILITIES
Total deposits $ 355.19 million
      Interest-bearing deposits $ 249.13 million
      Deposits held in domestic offices $ 355.19 million
      % insured (estimated)" 90.26%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.93 million
Subordinated debt N.A.
All other liabilities $ 0.59 millionn
      Total Liabilities $ 376.79 million
      Shareholders’ Equity $ 35.32 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 16.97 million
Total Interest Expense $ 3.86 million
Net interest income $ 13.11 million
Provision for loan and lease losses $ 0.75 million
Total non interest income $ 4.22 million
Total non interest expense $ 12.83 million
Pre-tax Net Operating Income $ 1.13 million

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