Meet Dave, Commercial Banking Manager

"Dave and his team helped make the transition of our accounts painless. Business banking with First National is personal, and as a small business owner, I like to work with other family-focused small businesses. I'd recommend FNBT to any family business who feels the same. "

James McGovern, Raptor Enterprises

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Kiss Your Landlord Goodbye

Homebuyer Night | November 12

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-held 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

Retirement Planning Checklist

It is a shocking statistic: In a December 2018 study by the TransAmerica Center for Retirement Studies, research showed that only 60 of current retirees agreed that they had saved enough for retirement. A total of 30 percent strongly disagreed that they had saved enough.

Retirement Planning Checklist

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

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Recent Press Releases

FNBT Announces Promotions | Jordan, Toye & Ballou

October 30, 2019

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce the following promotions.

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FNBT to Host Free Homebuyer Night

October 17, 2019

Beloit, Wisconsin – As part of its continued commitment to providing Sound Advice to its customers and communities through major financial milestones, First National Bank and Trust (FNBT) will be hosting a free Homebuyer Event on Tuesday, November 12 at the YWCA of Northwestern Illinois located at 4990 E State St, Rockford, IL.