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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. 
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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

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.

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?

Community Events & Outreach

Electronics Drive

At Inman Branch | 1882 Inman Parkway, Beloit, WI 53511 on September 10

First National Bank and Trust will be hosting a series of Free Electronic Recycling Drives in partnership with Goodwill Industries of Northern Illinois. 

Goodwill will have a mobile unit on-site to help community members securely dispose of electronic goods. This free service is open to all community members. 

Free Coin Appraisal

At Rockton Branch | 300 East Main Street, Rockton, IL 61072 on September 30

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

Million Dollar Lender Award

August 26, 2016

Beloit, WI – USDA Rural Development State Director, Stan Gruszynski, named First National Bank and Trust as a recipient of the 2015 Silver Million Dollar Lender Award.

The Award is presented each year to lenders who have partnered with, and made a significant contribution to, supporting Wisconsin rural residents looking to become homeowners through the USDA Guaranteed Rural Housing (GRH) Program. 

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FNBT Partners with Friends of Riverfront to bring “Rio!” to Beloit

August 12, 2016

Beloit, WI – In partnership with Friends of Riverfront (FOR), First National Bank and Trust Company (FNBT) is excited to bring the 2011 animated movie “Rio!” to Riverside Park in Beloit on Friday, August 19. Movie on the Big Lawn is one of Friends of Riverfront’s biggest events of the year and families are encouraged to join the fun at Riverside Park and see the movie on a 50-foot inflatable big screen. The free event is open to the public. 

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