For the health and safety of our customers, colleagues and communities, all FNBT lobbies are temporarily closed.

All branch drive up services will continue to stay open during our normal business hours.

Learn more about our response to COVID-19 >>

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Service That Moves You

Invite a friend to open a checking account and you both earn reward points!

Meet Dan, Assistant VP and Commercial Banking Officer

"When we purchased our most recent building downtown, Dan Mowers went above and beyond to make sure it went smoothly. He was knowledgeable, kind and just as excited as we were to close the deal. This makes our relationship feel more like family. We recommend FNBT to everyone we know for personal and business banking. Locally owned and operated, First National is business-friendly and family-focused."

Stephanie Knueppel, Stateline Mental Health Services

Meet Bonnie, VP and Branch Manager

"We were with our previous bank for 20 years when our old bank merged with another bank and the personal customer service vanished. We are glad we found First National Bank and Trust (FNBT). Bonnie Gundry and her team at the Rockton branch have given us the personal customer service we were looking for and invited us to many bank functions throughout the year, which has made us feel like family. We also like its competitive rates and many convenient locations."

Brad Oler, President of New Haven XR Solutions, Inc.

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each time you use your FNBT consumer debit card!

Meet Jessica, VP and Branch Manager

"We have always felt like family with First National Bank and Trust (FNBT). My grandparents and parents were customers when each of them owned the mattress business and worked directly with the Eldred family to start the partnership. Today, whenever we need anything, we call Jessica Hernandez and she takes care of it. I think family owned businesses benefit from its high level of customer service, low fees, and single point of contact for questions or assistance."

Ryan Poppie, Beloit Matress Co.

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

Retirement Planning Checklist

The Employee Benefit Research Institute's April 2019 Retirement Confidence Survey reports that 2 in 3 workers are confident in their ability to live comfortably in retirement.

Retirement Planning Checklist

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.

Stop Living Paycheck to Paycheck

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Community Events & Outreach

POSTPONED: Free Community Shred Event

At Beloit-Inman Pkwy 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.

POSTPONED: Free Coin Appraisal

At Beloit-Madison Rd Branch 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

5-Star FNBT | One of the Nation's Strongest Banks

March 17, 2020

Beloit, WI – BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, has once again commended First National Bank and Trust, Beloit, Wisconsin on its achievement of another 5-Star Superior Rating. Not only has First National Bank and Trust earned Bauer’s highest (5-Star) rating for financial strength and stability, it has maintained that top rating for 10 consecutive quarters. Earning this 5-Star rating indicates that the bank closed out calendar 2019 excelling in areas of capital adequacy, profitability, asset quality and much more.

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Connie Adler Joins FNBT

March 11, 2020

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce that Connie Adler has joined the bank as assistant vice president and branch manager for the Beloit-E Grand Ave location.