☰

Home›
Banks›
First National Bank and Trust Co.

iAdvertiser Disclosure

First National Bank and Trust Co. Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare First National Bank and Trust Co. rates to other rates in our database, including 12-month CD rates currently at 3.15%, 6-month CD rates at 3.84% and 3-month CD rates at 2.75%. Savings rates are at 0.60% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to First National Bank and Trust Co. rates. MonitorBankRates evaluates the financial stability of First National Bank and Trust Co. with a 1.0 Star Rating and an D Overall Health Grade. Rates were last updated on 05/15/2026.

First National Bank and Trust Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank and Trust Co.? Share your experience about First National Bank and Trust Co. by leaving a review below, or read customer reviews before you decide to use First National Bank and Trust Co..

Overall Health & Safety Grade

Weak Health Score: 60/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

No Data No data

First National Bank and Trust Co.

200 North Main
Stewartville, MN 55976

Current Rate Availability

We do not have First National Bank and Trust Co. rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank and Trust Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank and Trust Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank and Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank and Trust Co.

Bank Holding Company ST CHARLES BANCSHARES INC

Address 200 North Main, Stewartville, MN 55976 · Olmsted

Website https://www.bankatfirstnational.com

FDIC Certificate # 5258

Established 05/19/1932

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 0

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 60/100

1.0

Weak Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -7.6608%

Return on Equity (ROE) -219.6900%

Non-Performing Loans (NPL) 0.00%

Total Assets $18,475,000

Total Deposits $18,282,000

Equity Capital $95,000

Net Income $-1,085,000

Headquarters Stewartville

Total Offices 1

Source: FDIC | Last Updated 09/30/1986

Customer Reviews

There are no reviews for First National Bank and Trust Co. yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First National Bank and Trust Co.

Frequently Asked Questions About First National Bank and Trust Co.

How many branches does First National Bank and Trust Co. operate?

First National Bank and Trust Co. currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank and Trust Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank and Trust Co. offer online and mobile banking?

Most modern institutions like First National Bank and Trust Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankatfirstnational.com.