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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 - August 24, 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 December 31, 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 December 31, 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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