All FNBT locations will be closed Monday, February 17 in observance of Presidents' Day. We will resume regular business hours on Tuesday, February 18.

Fraud Alert: Beware of Phishing Scams

We’ve received reports of fraudulent text messages claiming to be from FNBT. These messages direct customers to a fake website to steal login credentials.
FNBT will never ask you to click a link to verify account or transaction details.

If you receive a suspicious message, do not click any links—call us directly at 800-667-4401. Stay vigilant and protect your information.

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We Are Always Here For You

FNBT started as a community-focused bank more than 140 years ago in Beloit, Wisconsin. Today, we’re still independently owned and still dedicated to serving our local communities throughout Northern Illinois and Southern Wisconsin. Come visit us at one of our many locations, including Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area.

We’re proud of our past, but even prouder of the great service we offer our customers today and well into the future. When you or your business bank with FNBT, you’ll get the expert advice you need, including financial products and services tailored to your situation.

A Banking Relationship You Can Depend On.

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Wallet Wise Blog

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How to Maximize Savings and Protection With Bazing Biz Benefits

Get savings, security, and perks with FNBT Business Checking accounts and BaZing Biz benefits. Support your business with our trusted banking solutions.

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What to Know About Buying a Second Home or Investment Property in Southern Wisconsin or Northern Illinois

Owning a second home or investment property is an exciting milestone. Before taking the next step, it's important to understand how you plan to use the property and your financial options. At First National Bank and Trust (FNBT), we're here to guide you through the process, offering expert advice and mortgage solutions to help make your second home a reality.

8 Ways to Help Your Small Business Save Money

Running a business means balancing growth with thoughtful spending. While investing in expansion is essential, finding ways to save can stretch your profits further. From cutting unnecessary expenses to taking advantage of FNBT’s unique business banking benefits, here are some practical tips to help your business save and thrive.

How to Choose a Business Checking Account

Choose the right business checking account with confidence. Explore key factors like fees and benefits to find the best checking account for your business.

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The Importance of Having an Annual Check in With Your Business Banker

A regular financial review with your commercial banker can help you find more efficient ways to bank, or plan for potential ups and downs in your organization.

Comprehensive Guide to Understanding IRAs

An Individual Retirement Account (IRA) is a kind of retirement account that offers tax benefits that not only encourage savings, but also amplifies the power of every saved dollar.

How Can Remote Deposit Capture Help Your Small Business

Remote deposit capture is one of the many digital banking tools designed to help small business owners run their business more efficiently.

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What is a Bank Imposter Scam?

Bank imposter scams are on the rise, with fraudsters posing as banks to steal personal and financial information. Stay informed on how to spot these scams, protect your accounts, and take action if you suspect fraudulent activity.

How to Protect Your Business Bank Account From Fraud

With bank fraud on the rise, it’s essential that you know what to look out for and how you can protect your hard-earned business finances.

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6 Ways to Automate Your Savings

There are plenty of ways to help you save for your goals without even thinking about it. One of the best ways is to set up an automatic savings plan.

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Recent Press Releases

FNBT Hires Business Development Officer

January 23, 2025

Beloit, WI, January 23, 2025 – First National Bank and Trust (FNBT) announced that Drew Olstead has joined the company as Business Development Officer.

Read Full Release FNBT Hires Business Development Officer

FNBT Welcomes New Team Members

December 20, 2024

Beloit, WI, December 20, 2024 – First National Bank and Trust Company (FNBT) is pleased to announce the addition of three professionals to its team: Kim Bittner as Vice President, Dedicated Banking Officer, Luchika Lamick as First Vice President, Controller, and Joanna Miranda as Branch Manager and Officer. Each brings extensive experience and expertise, enhancing FNBT’s ability to deliver exceptional service and personalized financial solutions to its customers.

Read Full Release FNBT Welcomes New Team Members

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