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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-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

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

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 Roscoe Branch on August 07

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 Event

At Beloit-Cranston Rd on August 08

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 2019

May 15, 2020

Beloit, WI – On May 15, 2020, the Annual Meeting of shareholders of Centre 1 Bancorp, Inc., the holding company for First National Bank and Trust Company (FNBT), was held in Beloit, Wisconsin. The meeting was the 38th for the holding company and the 138th for the family-focused bank, chartered in 1882.

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FNBT Announces Promotion & Addition to Mortgage Banking Team

May 04, 2020

Beloit, WI, May 4, 2020 – First National Bank and Trust (FNBT) is pleased to announce the following officer promotion and addition to the mortgage banking team.