B
The First National Bank and Trust Company
Beloit,  WI
Rating Date
April 2025
Risk Based
Capital Ratio
12.40
Leverage
Ratio
8.11
Return On
Assets
0.50%
Total
Assets
1.58B
Capital
112.14M
Total
Deposits
1.32B
Net
Income
7.69M
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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 7.70
Capitalization Index 6.10
Liquidity Index 4.20
Profitability Index 2.90
Stability Index 5.80
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 0.27%
5-Year Asset Growth 6.95%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 3.34%
Non-Performing Loans to Loans 0.45%
Balance Sheet The First National Bank and Trust Company
Beloit, WI 		Click to
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Total Assets 1.58B
Total Deposits 1.32B
Capital and Reserves The First National Bank and Trust Company
Beloit, WI 		Click to
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Capital 112.14M
Leverage Ratio 8.11
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 12.40
Liquidity The First National Bank and Trust Company
Beloit, WI 		Click to
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Hot Money Ratio 8.30%
Liquidity Ratio 22.92%
Profitability The First National Bank and Trust Company
Beloit, WI 		Click to
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5-Year Return on Average Assets 0.55%
Net Income 7.69M
Net Interest Spread 2.55%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 80.47%
Return on Assets 0.50%
Return on Equity 6.89%