The First National Bank And Trust Company: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #5285 · Beloit, WI. This institution (The First National Bank And Trust Company) no longer appears in the current FDIC branch and deposit filings (#5285) that DLRadar scores; FDIC records the last The First National Bank And Trust Company day as a separately insured institution (#5285) as January 1, 2026. FDIC event for The First National Bank And Trust Company: Participated in Absorbtion/Consolidation/Merger (2026-01-01). DLRadar last scored The First National Bank And Trust Company (#5285) on September 20, 2026. The The First National Bank And Trust Company facts below are its last recorded footprint (#5285), kept as a permanent The First National Bank And Trust Company public record; the The First National Bank And Trust Company figures are not refreshed.
The First National Bank And Trust Company (#5285) carried no scored branch footprint (The First National Bank And Trust Company) in the FDIC filings DLRadar reads; the The First National Bank And Trust Company record exists because FDIC certificate 5285 was a separately insured The First National Bank And Trust Company institution in Beloit, WI, last seen by DLRadar (#5285) on September 20, 2026.
What the The First National Bank And Trust Company (#5285) record holds: FDIC certificate 5285 for The First National Bank And Trust Company, closed as a separate The First National Bank And Trust Company charter on January 1, 2026; successor Bank First N A (FDIC #5304) carries the The First National Bank And Trust Company footprint forward; FDIC event for The First National Bank And Trust Company: Participated in Absorbtion/Consolidation/Merger (2026-01-01); The First National Bank And Trust Company (#5285) first entered DLRadar on September 20, 2026.
How The First National Bank And Trust Company (#5285) was scored while active: the The First National Bank And Trust Company stress score read FDIC call-report financials (#5285) and the Summary of Deposits branch file for The First National Bank And Trust Company, mapped The First National Bank And Trust Company branches to counties and ZIP codes (#5285), and weighted the The First National Bank And Trust Company real-estate loan concentration against its peers; the The First National Bank And Trust Company (#5285) figures on this page are the last such The First National Bank And Trust Company run and are not refreshed.
The First National Bank And Trust Company (#5285) net interest margin 3.02% against an eight-quarter The First National Bank And Trust Company (#5285) average of 2.72% (The First National Bank And Trust Company (#5285) compression -0.30 points); The First National Bank And Trust Company (#5285) real-estate loans 12.7% of equity; The First National Bank And Trust Company (#5285) non-residential real estate 64.9% of equity; The First National Bank And Trust Company (#5285) rate-exposure score 40/100, The First National Bank And Trust Company (#5285) fixed-rate trap 40/100; The First National Bank And Trust Company (#5285) risk type credit driven; The First National Bank And Trust Company (#5285) rate regime rates elevated, The First National Bank And Trust Company (#5285) snapshot May 27, 2026.
The First National Bank And Trust Company (#5285) is chartered in Beloit, WI; FDIC lists The First National Bank And Trust Company (#5285) as inactive, succeeded by Bank First N A.
Why this The First National Bank And Trust Company page exists: bank identities are historical data (#5285). When an institution such as The First National Bank And Trust Company merges or its charter ends, DLRadar keeps the The First National Bank And Trust Company profile so citations, links and the The First National Bank And Trust Company score history stay resolvable (#5285), and points The First National Bank And Trust Company to the successor where the FDIC records one. Every The First National Bank And Trust Company figure traces to public FDIC data (#5285).