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Welcome to the best community bank!

We serve communities throughout Northern Illinois and Southern Wisconsin, including locations in Beloit, Roscoe, Janesville, Monroe, and the Stateline area.

Our new website is the gateway into a new online banking experience. We’ve designed it with one person in mind – you! From the prudent-minded to the fiscal adventurist, and everything in between, we offer everything you need to be good to your money. If you’re looking for a bank that’s a little different, bank with us. We’re really glad you’re here.

Find a location


Do you prefer to bank in-branch, online, or at the beach?

With our flexible accounts we have at least one that suits your busy lifestyle. Weigh your options. And if you need help deciding which one is right for you, we’re here!
Find the right checking account


If you need a safe place to stash your cash, we can help.

When you think about places to park your money, we have options, ranging from traditional savings account options to CDs and Brokerage Services.

Learn about our savings options

Sound Advice

Warren Buffett says the first rule of investing is not to lose money.

That’s wise advice from the billionaire investor. We’ll help you make sound financial decisions that are in harmony with your goals, values and dreams. That’s sound advice.

Financial Tools & Calculators

Sound Advice

Saving for a Down Payment on a Home

Owning a home instead of renting is often a wise financial move. It allows you to reduce your overall monthly costs while you build equity in real property. The biggest financial hurdle you face before you can buy a home is gathering cash for the down payment.

Popular Budgeting Methods

You know that setting up a household budget is something that you need to do. Doing so can help you prepare for your retirement, pay for your children's college educations and make sure that you do not run up high-interest-rate credit card debt.

Community Events & Outreach

Clinton Winter Wonderland

At Clinton Bank Location, Peck Avenue on December 04

Children of all ages are invited to the Clinton Public Library to do free Christmas Crafts.

While you're there, enjoy a visit with Santa and have your photo taken! First National Bank and Trust will also be serving Christmas treats in our Clinton branch lobby throughout the day. The lighted parade will begin at 6:00 PM and go through downtown Clinton. Enjoy the magic of Christmas! 

Rockton Lighted Christmas Parade

At Rockton Bank Location, E Main Street on December 05

First National Bank and Trust will be participating in the Rockton Christmas Parade.

Watch for our employees and their families on the FNBT Winter Wonderland Float during the parade ask we kick off the holiday season!

Recent Press Releases

First National Bank and Trust Company to Acquire Walworth State Bank

November 19, 2015

Beloit, Wisconsin – Centre 1 Bancorp, Inc., the holding company of First National Bank and Trust Company (“First National”), announced today an agreement to acquire Walworth State Bank, subject to shareholder approval and the approval of regulatory authorities. This acquisition allows First National the opportunity to enhance and strengthen its footprint in Walworth County, Wisconsin and the entire Stateline area.

Read Full Release

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