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First National Bank and
Trust Company holds a "Four-Star
Safe & Sound Rating"
from Bankrate.com.
The Bankrate.com
Safe & Sound ratings
feature is a quick and
easy way for you to
check the financial
health of a bank, thrift
or credit union before
you open an account.
It's an independent
resource to assist you
in making banking
decisions.
Ratings structure
Presented below is an
explanation of
Bankrate's Safe & Sound
CAEL rating system for
commercial banks,
savings institutions,
and credit unions:
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Safe & Sound
rating
system |
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Bankrate.com's Safe &
Sound service is a
proprietary system
designed to provide
information on the
relative financial
strength and stability
of U.S. commercial
banks, savings
institutions and credit
unions. The system
employs a series of 22
tests to measure the
capital adequacy, asset
quality, profitability,
and liquidity (CAEL) of
each rated financial
institution. Individual
performance levels are
determined from publicly
available regulatory
filings and are compared
to asset-size peer
norms, industry
standards and key
absolute benchmarks.
Combined results form
the basis for our
Composite CAEL and Star
Ratings. When possible,
the system also produces
a report that provides a
detailed explanation of
our findings, for each
rated financial
institution.
View First National Bank
and Trust Company's
"Four-Star Safe & Sound
Rating" at Bankrate.com |
Equal Housing Lender.