First National Bank and Trust Company
Clinton, IL · Cert 3639 · Peer group: banks under $1B in assets in IL (n=149-151) · TS Banking Group Inc.
National charter · OCC · 2 affiliate banks · 4 branches (13 in holding)
Q2 2026
$388.1MAssets
$157.0MLoans
$364.9MDeposits
$4.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 99% of banks under $1B in assets in IL (rank 1 of 151).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in IL (rank 151 of 151).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.49%
Rank 129 of 151
Net Interest Margin
2.38%
Rank 146 of 151
Efficiency Ratio
79.46%
Rank 127 of 151
Equity / Assets
1.02%
Rank 151 of 151
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 17% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.70% | 1.03% | 1.34% | Beats 15% | 129 / 151 | |
| Return on Equity | 48.08% | 6.74% | 9.34% | 12.94% | Beats 99% | 1 / 151 | |
| Net Interest Margin | 2.38% | 3.02% | 3.43% | 3.83% | Beats 3% | 146 / 151 | |
| Efficiency Ratio | 79.46% | 54.64% | 64.89% | 72.50% | Beats 17% | 127 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.20% | 0.66% | 1.77% | Beats 43% | 86 / 149 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.07% | Beats 26% | 111 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 11.83% | 14.17% | 18.66% | Beats 30% | 106 / 151 | |
| Total Risk-Based Capital Ratio | 12.58% | 12.22% | 14.54% | 19.92% | Beats 31% | 104 / 151 | |
| Equity / Assets | 1.02% | 9.10% | 10.65% | 12.40% | Beats 0% | 151 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 43.02% | 54.39% | 71.02% | 80.75% | 8th pctl | 137 / 149 | |
| Loans / Assets | 40.45% | 45.91% | 61.31% | 68.01% | 11th pctl | 134 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |