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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 25, 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

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5062
Date Established 1887
Assets $ 410.03 million
Loans $ 193.40 million
Deposits $ 360.00 million
Capital $ 28.58 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 27.74 million
Interest-bearing balances $ 13.41 million
Total securities $ 167.94 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 193.40 million
Loan loss allowance $ 3.69 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.47 million
All other assets $ 11.79 million
     Total Assets $ 381.45 million

LIABILITIES
Total deposits $ 360.00 million
      Interest-bearing deposits $ 257.31 million
      Deposits held in domestic offices $ 360.00 million
      % insured (estimated)" 89.99%
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 $ 381.45 million
      Shareholders’ Equity $ 28.58 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 15.92 million
Total Interest Expense $ 4.27 million
Net interest income $ 11.65 million
Provision for loan and lease losses $ 0.60 million
Total non interest income $ 3.95 million
Total non interest expense $ 12.22 million
Pre-tax Net Operating Income $ 1.13 million

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