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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, Walworth, and the Stateline area.

Our website is the gateway into your online banking experience. It's designed with one person in mind – you! From the prudent-minded to the fiscal adventurist, and everything in between, we offer what 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.

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Mobile Check Deposit 

Deposit your check without the trip to the bank!

Deposit a check using the camera on your smartphone or tablet and our Mobile Banking App. 
Mobile Deposit

Compare Your Mortgage Rate

Are you falling behind your peers?

Try our unique peer mortgage comparison tool and find out in less than a minute where you stand. 

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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

How Much Do You Need to Retire?

Most people know that you need to save money for retirement. However, how many people know how much money they need to save? Do you?

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.

Recent Press Releases

Lights, Camera, Save! Video Contest Underway

October 03, 2016

Beloit, WI, – First National Bank and Trust (FNBT) is requesting submissions for its Lights, Camera, Save! video contest. The contest, organized by the American Bankers Association Foundation, is a national, bank-driven competition that encourages teens to use video to communicate the value of saving and inspire others to become lifelong savers. 

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