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Janesville - Holiday Dr

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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

Networking and Building Small Business Partnerships

Starting a new business can be a challenge but networking and developing partnerships is an important part to ensure your small business’s success.

person in the snow holding a piggy bank wearing a winter hat

What is a Savings Club Account?

If you’re thinking about new ways to budget for the holidays or another special occasion, a Savings Club Account might be the answer.

How to Maximize Savings Interest

If you’ve got some money set aside, there are several ways you can earn more interest and put your savings to work for you.

small business owner looking at his computer

Do I Need a Savings Account for My Business?

When you’re evaluating your business banking, you need to know the difference between a commercial savings account and a business checking account.

Wealth Management at FNBT

First National Bank and Trust (FNBT) has been an independent bank since 1882, serving our community with pride. As a truly local bank, we operate locations throughout Southern Wisconsin and Northern Illinois, treating our customers like family. Explore how our comprehensive financial planning and trust management expertise can help secure your financial future.

by Steve Schou | FNBT Wealth Management Trust & Investments Officer

Beloit First Time Homebuyers Guide

Before you start the homebuying process and rush off to view properties for sale, you need to start by assessing your financial situation to get a better idea of what you can afford to buy.

Tips for Growing Your Wisconsin Ag Business

Looking to expand your ag business? Here are some tips to help you grow your family farm and serve more of the local community.

Creating a Business Plan

Creating a business plan is crucial for both new and growing businesses as it serves as a roadmap and a tool for securing financing. While the process might seem daunting, breaking it down into essential parts makes it manageable and effective. A well-crafted business plan outlines your goals, strategies, market analysis, and financial projections, guiding your business towards long-term success.

Compensation Basics

Compensation encompasses the salaries, wages, and benefits employees receive for their work, including bonuses, health coverage, and retirement contributions. Crafting a comprehensive compensation package is essential for attracting and retaining talented employees while ensuring compliance with legal requirements. A well-rounded package not only includes competitive pay but also additional benefits that contribute to employee satisfaction and business success.

Buying an Existing Business

For many aspiring entrepreneurs, the dream of owning a business can be realized more quickly by purchasing an existing company rather than starting from scratch. This approach offers the advantage of stepping into an already operational business, potentially with immediate cash flow and an established customer base. However, it's crucial to weigh the benefits against the potential challenges and hidden costs to ensure a successful acquisition.

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Community Events & Outreach

Free Coin Appraisal - Walworth at Walworth Branch

At Walworth Branch on October 10

Ron Beckstrom of Golden Rule Coins will be on-site to tell bank visitors what their old and valuable currency is worth and make offers to purchase some of the appraised currency. This free service is open to all community members.

Free Coin Appraisal - Janesville at Janesville-Holiday Dr

At Janesville-Holiday Dr on October 18

Recent Press Releases

FNBT to Host Free Community Events at New Janesville branch

October 01, 2024

Beloit, WI, October 01, 2024 – To mark the opening of its second bank branch in Janesville, Wisconsin, located at 2111 Holiday Dr, First National Bank and Trust (FNBT) is excited to announce two free community events designed for residents and business owners alike. These events offer valuable services in a welcoming and approachable environment, fostering connections within the community while addressing the unique needs of local businesses. Join us as we celebrate and support the Janesville community.

Read Full Release FNBT to Host Free Community Events at New Janesville branch

FNBT Opens Second Janesville Location

September 16, 2024

Beloit, WI, September 16, 2024 – First National Bank and Trust (FNBT) is thrilled to announce the opening of its newest full-service branch at 2111 Holiday Drive in Janesville, Wisconsin. As of September 16, 2024, the Janesville community now has access to the full range of FNBT’s banking services at this new branch, conveniently located in the heart of Janesville’s business district.

Read Full Release FNBT Opens Second Janesville Location