# FIRST NATIONAL BANK&TRUST CO
CLINTON, IL · FDIC certificate 3639 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $388.1M | |
| Deposits | $364.9M | |
| Loans and leases | $157.0M | |
| Total equity | $4.0M | |
| Loans / deposits | 42.71% (p4 of band) | 82.04% |
| Liquid assets / assets | 51.91% (p93 of band) | |
| Uninsured deposits / deposits | 21.05% (p32 of band) | 25.97% |
| Brokered deposits | 26.30% | |
| Wholesale funding | 29.45% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.79% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | 151.14% (p100 of band) | -8.10% |
| AOCI / equity | 52.95% (p100 of band) | |
| ROA (annualized) | 0.49% (p11 of band) | 1.28% |
| Net interest margin | 2.54% (p3 of band) | 3.91% |
| Efficiency ratio | 71.94% (p77 of band) | |
| Noncurrent loans | 0.88% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p75 of band) | |
| Reserve coverage of noncurrent | 81.96% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 37.73% (p44 of band) | |
| Auto loans | $416,000 (0.26% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | NIM <2.5% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 5 |  | assets shrinking |
| 2015-09 | 1 |  | wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 4 | leverage <7%, capital falling |  |
| 2017-03 | 3 | wholesale funding >15%, expense ratio p90 | NIM <2.5%, leverage <7%, capital falling |
| 2017-06 | 3 | brokered >10% | expense ratio p90 |
| 2017-09 | 3 | expense ratio p90 | wholesale funding >15% |
| 2017-12 | 3 | wholesale funding >15% | expense ratio p90 |
| 2018-03 | 4 | AOCI drag >20% of equity |  |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 6 | securities losses >30% of equity |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 3 |  | reserve under noncurrent, AOCI drag >20% of equity, securities losses >30% of equity |
| 2019-06 | 2 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2019-09 | 2 | expense ratio p90 | brokered >10% |
| 2019-12 | 1 |  | expense ratio p90 |
| 2020-03 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, NIM <2.5% |  |
| 2020-06 | 3 |  | reserve under noncurrent, NIM <2.5% |
| 2020-09 | 2 |  | expense ratio p90 |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 3 | reserve under noncurrent |  |
| 2021-09 | 3 | NIM <2.5% | reserve under noncurrent |
| 2021-12 | 2 | expense ratio p90, reserve under noncurrent | brokered >10%, wholesale funding >15%, NIM <2.5% |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% | expense ratio p90 |
| 2022-06 | 3 |  | NIM <2.5% |
| 2022-09 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 2 | brokered >10%, wholesale funding >15% | reserve under noncurrent |
| 2023-03 | 6 | losing money, expense ratio p90, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 6 | NIM <2.5% | uninsured deposits leaving |
| 2023-09 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 7 | capital falling | assets shrinking, deposits shrinking |
| 2024-03 | 3 |  | losing money, expense ratio p90, uninsured deposits leaving, capital falling |
| 2024-06 | 5 | losing money, expense ratio p90 |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 6 | construction >100% equity |  |
| 2025-09 | 7 | reserve under noncurrent |  |
| 2025-12 | 6 |  | reserve under noncurrent |
| 2026-03 | 5 | reserve under noncurrent, deposits shrinking | losing money, expense ratio p90, construction >100% equity |
| 2026-06 | 4 |  | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3639 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "3639", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide