First National Bank & Trust Company

First National Bank & Trust Company is a currently active agricultural specialization banking institution headquartered in Clinton, Illinois. Established in 06/01/1872, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First National Bank & Trust Company manages $383.8M in total assets and holds $364.5M in customer deposits. When evaluating the stability of First National Bank & Trust Company, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 0.79%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.08%, while its Return on Equity (ROE) sits at 211.54%. These metrics result in a moderate health score of 6.3 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.