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Meet Diane, VP Commercial Loan Officer

"Diane Gustafson told me FNBT would make changing banks as painless as possible. She was right. She also suggested I utilize a remote check deposit machine, which is very convenient and saves me time not having to take multiple trips to the bank. FNBT even called me personally to approve a payroll I had forgotten. There really is a big difference in personalized customer service when using a local, family-focused community bank."

Troy Greenberg, Greenberg Casework Co.

Give us a try.

Name: Free Community Shred Event
Start: 2019-05-04T09:00
End: 2019-04-04T12:00
Location: First National Bank and Trust

We'll treat you like family.

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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

Protect Yourself from Identity Theft

Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 561 million records were exposed to identity theft in 2018, arising from over 1,100 total breaches of security.

Protect Yourself from Identity Theft

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.

Popular Budgeting Methods

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Community Events & Outreach

Free Community Shred Event

At on April 04

Paper Recovery will be on hand to ensure secure destruction of paper documents containing personal information.

The bank recommends shredding receipts, bank statements, and unused credit card offers as Sound Advice to prevent identity fraud. This free service will be limited to six boxes of shred per person to allow all community members a chance to have their personal documents shred.

Free Coin Appraisal

At on April 17

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.

Recent Press Releases

FNBT Announces Promotions | Jury & Barwick

January 10, 2020

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce the promotion of two individuals in the Credit and Human Resources Departments.

Read Full Release

5-Star FNBT | A Bank You Can Trust

January 07, 2020

Beloit, WI – First National Bank and Trust (FNBT) achieved another Superior 5-Star Rating in December 2019 from BauerFinancial, the Nation’s Premier Bank Rating Firm. Not only is the 5-Star Rating earned for financial strength and stability, but indicates that the bank excels in areas of capital adequacy, profitability, asset quality, and more. FNBT has been awarded this highest possible rating for 9 consecutive quarters. Earning and maintaining Bauer’s highest 5-Star rating indicates First National Bank and Trust is one of the strongest banks in the nation.