On July 15, 2019 a new consumer fee schedule will go into effect.
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Meet Ann, Mortgage Expert

"From the first day I inquired about my mortgage via email to Ann she was on top of it. I felt I had someone in my corner to get me away from a mortgage company that has the worst reviews ever. I felt valued and she was very understanding and helpful when I had lots of questions."

Jamie R, Mortgage Customer

One-tap checkouts

Name: Free Coin Appraisal
Start: 2019-07-24T10:00
End: 2019-07-24T15:00
Location: First National Bank and Trust

with Google Pay^TM, Apple Pay^®, Samsung Pay

No Closing Costs

Home Equity Line of Credit

when you open a new FNBT Business Checking Account

Up to $300 Off

Business Loan Closing Costs

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

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.

Saving for a Down Payment on a Home

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 Argyle Branch | 321 Milwaukee Street, Argyle, WI 53504 on July 20

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 Walworth Branch | 105 State Rd 67, Walworth, WI 53184 on July 24

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

2019 School Supply Drive

July 18, 2019

Beloit, WI - First National Bank and Trust Company (FNBT) is excited to host its annual ‘Back to School’ supply drive to help Stateline area kids as they prepare for their first day of school. The drive will be held July 22 – August 16. Donations may be dropped off at any FNBT location between 9am and 5pm, Monday – Friday.

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Michael Montgomery Joins FNBT

July 12, 2019

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce that Michael Montgomery has joined the company as Information Technology Supervisor and Officer.