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FNBT started as a community-focused bank more than 140 years ago in Beloit, Wisconsin. Today, we’re still independently owned and still dedicated to serving our local communities throughout Northern Illinois and Southern Wisconsin. Come visit us at one of our many locations, including Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area.

We’re proud of our past, but even prouder of the great service we offer our customers today and well into the future. When you or your business bank with FNBT, you’ll get the expert advice you need, including financial products and services tailored to your situation.

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Wallet Wise Blog

Money Building Tips for Recent College Graduates

You’ve worked hard to earn your degree—now put that same effort into your financial future with these easy-to-follow tips! Start this next chapter on the right foot by making smart budgeting choices and financial decisions to set you up for success in your early career and beyond.

A woman sits at a table in the kitchen, happy from successfully completed financial work. There are papers, a laptop and a calculator on the table. success in financial management

Five Financial Things to Do Before 50

Get a head start on smart financial choices now so you can feel confident about your future. Not sure where to begin? Start with these five financial goals to tackle before you turn 50.

businessman looking at documents and tablet, doing finances

5 Must-Know Tips to Streamline Your Business Finances

Discover 5 practical tips to simplify your business finances, save time, and support growth with FNBT’s expert tools and solutions.

two hundred dollar bills on top of a check from the United States Government

Maximize Your Tax Return: Understanding the Loan Interest Advantage

Loan interest can offer tax benefits—but only in certain cases. This blog from First National Bank and Trust breaks down which types of loan interest may be deductible, when it makes sense to itemize, and why keeping records matters. With tax laws set to change after 2025, now’s the time to plan ahead.

Financial Advice for Your Teens and Tweens: Setting Them Up for Success

Give your child a financial head start by teaching them smart money habits with FNBT’s youth-friendly savings and checking accounts. From budgeting basics to responsible spending with a debit card, we provide the tools to help your teen or tween build lifelong financial skills.

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Advantages of Buying a Business Versus Starting a New Business

Starting fresh or buying established? Discover the pros and cons of each option to find the best path for your business ownership goals.

Farmer walking with children in a barn with cows on each side of them

How to Finance Expansion of Your Family Farm

Financing your farm’s growth? Discover the best loans for buying land, equipment, and more—customized for local family farmers.

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How to Maximize Savings and Protection With BaZing Biz Benefits

Get savings, security, and perks with FNBT Business Checking accounts and BaZing Biz benefits. Support your business with our trusted banking solutions.

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What to Know About Buying a Second Home or Investment Property in Southern Wisconsin or Northern Illinois

Owning a second home or investment property is an exciting milestone. Before taking the next step, it's important to understand how you plan to use the property and your financial options. At First National Bank and Trust (FNBT), we're here to guide you through the process, offering expert advice and mortgage solutions to help make your second home a reality.

8 Ways to Help Your Small Business Save Money

Running a business means balancing growth with thoughtful spending. While investing in expansion is essential, finding ways to save can stretch your profits further. From cutting unnecessary expenses to taking advantage of FNBT’s unique business banking benefits, here are some practical tips to help your business save and thrive.

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Community Events & Outreach

Beloit Free Coin Appraisal at Beloit - Inman Pkwy Branch

At Beloit - Inman Pkwy Branch on June 04

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.

Monroe Community Shred Day at Monroe Branch

At Monroe Branch on June 07

Paper Recovery will be on hand to ensure secure destruction of paper documents containing personal information. This free service, open to all community members, will be available from 9:00 am until noon.

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.

Recent Press Releases

New Team & Service Model in FNBT’s West Market

April 24, 2025

Beloit, WI, April 24, 2025 – First National Bank and Trust (FNBT) is excited to introduce its new West Market team, a strategic realignment that puts customers first while staying true to our core values. This customer-focused initiative unites FNBT’s Monroe and Argyle locations, creating a unified team dedicated to delivering exceptional, values-driven financial solutions for individuals and businesses in the area.

Read Full Release New Team & Service Model in FNBT’s West Market

FNBT Unveils East Market Team & Service Model

April 21, 2025

Beloit, WI, April 21, 2025 – First National Bank and Trust (FNBT) is excited to introduce its new East Market team, a strategic realignment that puts customers first while staying true to our core values. This customer-focused initiative unites FNBT’s five Walworth County, WI branches – Darien, Delavan, Elkhorn, Walworth, and Williams Bay, creating a unified team dedicated to delivering exceptional, values-driven financial solutions for individuals and businesses in the area.

Read Full Release FNBT Unveils East Market Team & Service Model