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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

Protect Yourself from Identity Theft

Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 281 million records were exposed so far to identity theft in 2021, arising from over 1,291 total data breaches.

Protect Yourself from Identity Theft

How Much Do You Need to Retire?

Most people know that you need to save money for retirement. However, how many people know how much money they need to save? Do you?

How Much Do You Need to Retire?

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Community Events & Outreach

Free Coin Appraisal

At Walworth on May 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 Community Shred

At Beloit - Inman Pkwy on July 09

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

Centre 1 Bancorp, Inc. Reports Earnings for 2021

May 12, 2022

Beloit, WI – On May 12, 2022, the Annual Meeting of shareholders of Centre 1 Bancorp, Inc., the holding company for First National Bank and Trust Company, was held in Beloit, Wisconsin. The meeting was the 40th for the holding company and the 140th for the family-focused bank, chartered in 1882.

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FNBT Welcomes Three New Loan Originators

April 27, 2022

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce that Al Herbst, Rhonda Banks and Jessica Striegel have joined the bank’s mortgage lending team.