Great Rates on Home Equity Loans

The cash you need, when you need it.

Welcome Back!

Our lobbies have reopened!

Escrow Account Statements

View the guide to reading your new Escrow Account Disclosure

Give us a try. We'll treat you like family.

With more than 130 years in the banking business, First National Bank and Trust is a local, family-focused community bank headquartered in Beloit, Wisconsin. FNBT serves communities throughout Northern Illinois and Southern Wisconsin, including locations in Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area.

From excellent customer service, to the best-in-class offerings, we treat our customers like family. As we see it, being involved is more than doing something nice for our neighbors - it's our responsibility to help our community grow by supporting the economic well-being and quality of life for everybody.

If you're looking for a bank that's a little different, bank with us.

Find a location

or View all locations

Sound Advice

Protect Yourself from Identity Theft

Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 292 million records were exposed so far to identity theft in 2020, arising from over 846 total breaches of security.

Protect Yourself from Identity Theft

Stop Living Paycheck to Paycheck

Researchers have found that a large number of households in the United States are living their lives from paycheck to paycheck. They have little or no savings and rely heavily on the influx of cash on paydays to make ends meet.

Stop Living Paycheck to Paycheck

Quick Links

Open a Checking Account Apply for a Mortgage Check Mortgage Rates Rewards Program BaZing Benefits Financial Calculators Lost or Stolen Card Order Checks Careers Important Information Submit a Suggestion

Recent Press Releases

Janesville Loan Production Office Opens

April 29, 2021

Beloit, WI - First National Bank and Trust (FNBT) marked the opening of its new Loan Production Office (LPO) in Janesville, Wisconsin with a ceremonial ribbon cutting. Forward Janesville ambassadors and community representatives joined FNBT executives and employees on Wednesday, April 28 for the ribbon-cutting event officially opening the LPO located at 101 East Milwaukee Street, Suite 203. This office represents the second location in Janesville and is the first loan-only office for the bank.

Read Full Release

FNBT Employees Earn HR Industry Certifications

April 12, 2021

Beloit, WI - First National Bank and Trust Company (FNBT) is pleased to announce that two employees have recently earned national human resources (HR) industry certifications.