Meet Laurie, Mortgage Expert

"I have been banking with First National for years, but did not utilize them for auto or mortgages. I gave them a try and found it to be a very positive and easy experience. I will definitely do future business with First National Bank!"

Bradley & Daneen T, Mortgage Customers

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with Google Pay^TM, Apple Pay^®, Samsung Pay

Kiss Your Landlord Goodbye

Homebuyer Night | November 12

Give us a try. We'll treat you like family.

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

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

Protect Yourself from Identity Theft

Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 561 million records were exposed to identity theft in 2018, arising from over 1,100 total breaches of security.

Protect Yourself from Identity Theft

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Community Events & Outreach

Free Coin Appraisal

At Rockton Branch | 300 East Main Street, Rockton, IL 61072 on October 24

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.

Recent Press Releases

FNBT to Host Free Homebuyer Night

October 17, 2019

Beloit, Wisconsin – As part of its continued commitment to providing Sound Advice to its customers and communities through major financial milestones, First National Bank and Trust (FNBT) will be hosting a free Homebuyer Event on Tuesday, November 12 at the YWCA of Northwestern Illinois located at 4990 E State St, Rockford, IL.

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5-Star FNBT | Doing the Right Thing

October 04, 2019

Beloit, WI – First National Bank and Trust has achieved another Superior 5-Star Rating from BauerFinancial, the Nation’s Premier Bank Rating Firm. Not only has First National Bank and Trust earned Bauer’s highest (5-Star) rating for financial strength and stability, it has maintained Bauer’s recommended rating (5-Stars or 4-Stars) for 71 consecutive quarters. Earning and maintaining Bauer’s highest 5-Star rating indicates First National Bank and Trust is one of the strongest banks in the nation.