B
The First National Bank and Trust Company
Beloit,  WI
Rating Date
April 2025
Risk Based
Capital Ratio
12.73
Leverage
Ratio
8.27
Return On
Assets
0.55%
Total
Assets
1.53B
Capital
118.71M
Total
Deposits
1.29B
Net
Income
2.14M
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Weiss Ratings The First National Bank and Trust Company
Beloit, WI 		Click to
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Rating B
Asset Quality Index 7.60
Capitalization Index 6.30
Liquidity Index 4.10
Profitability Index 3.10
Stability Index 6.50
Company Info The First National Bank and Trust Company
Beloit, WI 		Click to
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FDIC Number 5285
Phone Number (608) 363-8000
Website www.bankatfirstnational.com
Asset Quality The First National Bank and Trust Company
Beloit, WI 		Click to
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1-Year Asset Growth -0.23%
5-Year Asset Growth 6.95%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 2.55%
Non-Performing Loans to Loans 0.43%
Balance Sheet The First National Bank and Trust Company
Beloit, WI 		Click to
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Total Assets 1.53B
Total Deposits 1.29B
Capital and Reserves The First National Bank and Trust Company
Beloit, WI 		Click to
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Capital 118.71M
Leverage Ratio 8.27
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 12.73
Liquidity The First National Bank and Trust Company
Beloit, WI 		Click to
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Hot Money Ratio 8.16%
Liquidity Ratio 20.73%
Profitability The First National Bank and Trust Company
Beloit, WI 		Click to
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5-Year Return on Average Assets 0.48%
Net Income 2.14M
Net Interest Spread 2.69%
Operating Profit to Average Assets 0.69%
Overhead Efficiency Ratio 81.63%
Return on Assets 0.55%
Return on Equity 7.41%