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Low rate home equity options

consolidate debt, remodel, and more!

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No Closing Costs

Home Equity Line of Credit

Up to $250

when you open a new FNBT Business Checking Account

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

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

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 Monroe Branch | 1625 10th Street, Monroe, WI 53566 on September 05

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-Madison Rd Branch | 1792 Madison Road, Beloit, WI 53511 on September 07

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

Dale Falconer Promoted

August 21, 2019

Beloit, WI, August 21, 2019 – First National Bank and Trust (FNBT) is pleased to announce that Dale Falconer has been promoted to network administrator and officer.

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Jamie Hibbard Promoted to Branch Manager

August 08, 2019

Beloit, WI – First National Bank and Trust (FNBT) is pleased to announce that Jamie Hibbard has been promoted to branch manager and officer at FNBT’s Elkhorn branch.