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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.

A Banking Relationship You Can Depend On.

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Wallet Wise Blog

FNBT Accounting Basics for Small Business Owners

Launching a small business means getting your finances in order from day one. This guide walks new entrepreneurs through the essential steps, including registering their business in Illinois or Wisconsin, setting up business bank accounts, choosing the right accounting method, and understanding federal and state tax requirements. Learn how to separate personal and business finances, select a fiscal year, and streamline your operations with tools like ACH services and remote deposits. With the right setup, you’ll be prepared to manage your money wisely and grow with confidence.

Power tools in action around a home built on coins, highlighting the value-boosting impact of renovations

10 Ways to Increase Your Home’s Value

Want to boost your home’s value before selling—or simply enjoy a better space now? This guide from First National Bank and Trust highlights 10 smart ways to increase your home's value, from affordable DIY upgrades to bigger renovation investments. Learn how to enhance curb appeal, upgrade to energy-efficient windows and doors, modernize your kitchen, add smart home technology, and more. Whether you’re preparing to sell or just improving your living space, these tips can help you get the most out of your home. Plus, explore financing options like home equity loans to make your projects happen.

three people discussing commercial real estate deal

Buying vs. Leasing Commercial Property – Navigating the Pros and Cons and How to Secure Funds

Growing your small business with a bigger or better location can make a world of difference. Discover the benefits of buying and how First National Bank and Trust can help.

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.

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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.

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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.

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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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Community Events & Outreach

Rockton Community Shred Day at Rockton Branch

At Rockton Branch on July 26

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.

Janesville Community Shred Day at Janesville - Holiday Dr

At Janesville - Holiday Dr on August 23

Recent Press Releases

FNBT Hosts Supply Drive for Local Students

July 08, 2025

Beloit, WI, July 8, 2025 - First National Bank and Trust (FNBT) is excited to announce the return of its annual School Supply Drive, a community-wide initiative designed to ensure local students have the essential tools they need for a successful academic year. The drive will run now through August 8, 2025.

Read Full Release FNBT Hosts Supply Drive for Local Students

Voegeli Joins FNBT Relationship Banking Team

June 12, 2025

Beloit, WI, June 12, 2025 - First National Bank and Trust (FNBT) is pleased to announce that Toni Voegeli has joined the bank as Assistant Vice President, Relationship Banking Officer. In this role, Toni will serve customers in FNBT’s West Market, covering the Monroe and Argyle, Wisconsin branches.

Read Full Release Voegeli Joins FNBT Relationship Banking Team