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Prudent and Responsible First National Bank and Trust

Your 5-Star Bank

January 2013: BAUERFINANCIAL, Inc., the nation's leading bank rating and research firm, is honored to recognize First National Bank and Trust, Beloit, Wisconsin with its highest 5-Star rating. To earn this Superior 5-Star rating, First National Bank and Trust excels in areas of capital, asset quality, profitability and much more. What's more, First National Bank and Trust has earned this highest rating for the latest 6 consecutive quarters.

Karen L. Dorway, president of the rating firm, has a rare vantage point, having monitored the industry for more than two decades. "It isn't surprising to those of us who watch the industry that 'plain vanilla' banks, those that didn't get into risky investments or lending, are the banks that are still standing strong today. First National Bank and Trust has stayed true to its purpose of serving its community in a prudent and responsible manner."

Established in 1882, First National Bank and Trust has been serving the banking needs of its local communities for 130 years. It operates through 14 conveniently located branch offices and can be found on the internet at www.bankatfirstnational.com. First National Bank and Trust is a member of the FDIC and an Equal Housing Lender.


BAUERFINANCIAL, Inc., Coral Gables, Florida, the nation's leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain free star-ratings by visiting www.bauerfinancial.com.


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