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With more than 130 years in the banking business, First National Bank and Trust is a local, family-focused 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

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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Recent Press Releases

FNBT Announces Promotions | Lamb, Lawton, Mowers & Hartz

January 20, 2022

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce the following promotions in the commercial lending and credit departments.

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FNBT Raises Money for United Way

January 13, 2022

Beloit, WI – The holidays were made just a little brighter for United Way Blackhawk Region this holiday season. First National Bank and Trust (FNBT) raised $520 for the nonprofit organization as part of the annual Holidazzle event in downtown Beloit.