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Good Grades = Cash

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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.

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Sound Advice

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.

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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.

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Recent Press Releases

FNBT Announces Promotions | Baskin, Lee, Almanza & Nygren

June 11, 2021

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce the following changes within the Customer Support and Loan Operations teams.

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5-Star FNBT | Putting the Community in "Community Bank"

June 02, 2021

Beloit, WI – First National Bank and Trust, has once again been awarded the highest (5-Star) rating for financial strength and stability from the Nation’s Premier Bank Rating Firm, BauerFinancial, Inc. In order to earn the 5-Star rating, FNBT underwent an independent analysis of its financial condition and came out on top! First National Bank and Trust has the strength to support its community as it consistently excels in areas such as capital strength, profitability, asset quality, and much more. This is the 78th consecutive quarter that First National Bank and Trust has earned a recommended rating (5-Stars or 4-Stars) from Bauer.