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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

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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

Stretch Your Retirement Budget

You've worked hard all your life. You do not want to enter retirement worrying about how you are going to pay for medical costs, insurance, groceries and your other bills.

Stretch Your Retirement Budget

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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.

Community Blood Drive | Beloit-Cranston Rd

At 2600 Cranston Rd
Beloit, WI 53511 on July 22

Rock River Valley Blood Center will be at the Beloit-Cranston Rd branch on Monday, July 22 from 11am-4pm hosting a blood drive. All blood types are needed and walk-ins are welcome. Bring a photo ID and be sure to have plenty to eat and drink before you donate.

To schedule an appointment to donate, contact Amy Snyder at 608-313-3001 or visit www.rrvbc.org.

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.