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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

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

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

Free Coin Appraisal

At Winnebago Branch | 500 North Elida Street, Winnebago, IL 61088 on March 29

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.

Free Community Shred Event

At Elkhorn Branch | 190 E. Geneva St, Elkhorn, WI 53121 on April 06

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.

Recent Press Releases

Linda Kuchenberg Announces Retirement from FNBT

February 19, 2019

Beloit, WI, February 19, 2019 – Linda Kuchenberg, Residential Loan Originator at First National Bank and Trust (FNBT) has announced plans to retire effective February 28, 2019.

Read Full Release

Stateline Woman Wins $5,000

January 25, 2019

Beloit, WI, January 25, 2019 – First National Bank and Trust Company (FNBT) recently awarded Emily Davis of Rockford the $5,000 Grand Prize in their BaZing Sweepstakes. After receiving hundreds of entries, Davis was randomly selected as the winner of the $5,000 award.