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We Are Always Here For You

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

How to Maximize Savings Interest

If you’ve got some money set aside, there are several ways you can earn more interest and put your savings to work for you.

small business owner looking at his computer

Do I Need a Savings Account for My Business?

When you’re evaluating your business banking, you need to know the difference between a commercial savings account and a business checking account.

Wealth Management at FNBT

First National Bank and Trust (FNBT) has been an independent bank since 1882, serving our community with pride. As a truly local bank, we operate locations throughout Southern Wisconsin and Northern Illinois, treating our customers like family. Explore how our comprehensive financial planning and trust management expertise can help secure your financial future.

by Steve Schou | FNBT Wealth Management Trust & Investments Officer

Beloit First Time Homebuyers Guide

Before you start the homebuying process and rush off to view properties for sale, you need to start by assessing your financial situation to get a better idea of what you can afford to buy.

Tips for Growing Your Wisconsin Ag Business

Looking to expand your ag business? Here are some tips to help you grow your family farm and serve more of the local community.

Creating a Business Plan

Creating a business plan is crucial for both new and growing businesses as it serves as a roadmap and a tool for securing financing. While the process might seem daunting, breaking it down into essential parts makes it manageable and effective. A well-crafted business plan outlines your goals, strategies, market analysis, and financial projections, guiding your business towards long-term success.

Compensation Basics

Compensation encompasses the salaries, wages, and benefits employees receive for their work, including bonuses, health coverage, and retirement contributions. Crafting a comprehensive compensation package is essential for attracting and retaining talented employees while ensuring compliance with legal requirements. A well-rounded package not only includes competitive pay but also additional benefits that contribute to employee satisfaction and business success.

Buying an Existing Business

For many aspiring entrepreneurs, the dream of owning a business can be realized more quickly by purchasing an existing company rather than starting from scratch. This approach offers the advantage of stepping into an already operational business, potentially with immediate cash flow and an established customer base. However, it's crucial to weigh the benefits against the potential challenges and hidden costs to ensure a successful acquisition.

Business Lines of Credit

Managing cash flow is a perpetual challenge for business owners at all stages. A business line of credit offers a flexible financial solution, bridging gaps during cash crunches and unexpected expenses, while providing control over finances without resorting to personal savings or credit cards. Understanding its benefits and effective use can significantly enhance your business’s financial stability.

Understanding Customer Lifetime Value

Customer lifetime value (CLV) is a key marketing concept that forecasts the net profits associated with a specific customer over their relationship with a business. Understanding and leveraging CLV helps businesses optimize marketing investments, enhance customer retention, and boost overall profitability.

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Community Events & Outreach

Free Coin Appraisal at Rockton Branch

At Rockton Branch on September 27

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 Coin Appraisal at Walworth Branch

At Walworth Branch on October 10

Recent Press Releases

First National Bank and Trust to Open New Branch at 2111 Holiday Drive in Janesville, Wisconsin

September 04, 2024

Beloit, WI, September 4, 2024 – First National Bank and Trust (FNBT) is excited to announce the expansion of its footprint with the opening of a new full-service branch located at 2111 Holiday Drive in Janesville. This significant milestone is aligned with the bank’s strategic objectives and highlights its commitment to offering convenient banking solutions to our valued customers.

Read Full Release First National Bank and Trust to Open New Branch at 2111 Holiday Drive in Janesville, Wisconsin

Ballou Completes Graduate School of Banking

August 15, 2024

Beloit, WI, August 15, 2024 –First National Bank and Trust (FNBT), is pleased to announce that Chelsea Ballou, Executive Vice President, Chief Consumer Banking & Operations Officer, has graduated from the Graduate School of Banking (GSB) at the University of Wisconsin – Madison, earning a Certificate of Executive Leadership.

Read Full Release Ballou Completes Graduate School of Banking