🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.

THE FIRST NATIONAL BANK AND TRUST COMPANY

BELOIT, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1882FDIC #5,285
Outstanding Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Institution Profile

FDIC BankFind

Address

345 E Grand Ave, BELOIT, WI

County

Rock County

Established

July 1, 1882

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 13, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$1.3B

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202467667.75%12.87%
202379168.39%16.18%
202298071.53%12.76%
20211,55374.57%12.94%
20201,94177.18%8.71%
20191,29870.03%14.41%
20181,25672.13%13.77%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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