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What started as a family-run business more than 140 years ago continues to be a family-run business today. 

About Us

Circa 1882. Beloit is a typical small-town American hometown, with a population of no more than 5,000 people and First National Bank and Trust is born. What started as a family-run business more than 140 years ago continues to be a family-run business today. Still proudly serving the people of Beloit and surrounding communities, we have grown to be a leading financial services institution offering products and services for consumers and businesses with 16 full-service locations throughout Southern Wisconsin and Northern Illinois and $1.2 billion in assets. We firmly believe that our rich history and strong connection to the community is what allows us to continue to provide top-notch banking services.

Sound Advice

Sound advice. At FNBT, this is more than just a catchy motto - it’s who we are and what we promise every day! And we deliver on that promise too. From excellent customer service, to the best-in-class product offerings, we work to make a difference in the lives of families and our community. This means spending more time with our customers actively listening to their needs, coming to a mutual understanding, and providing sound advice that stays relevant even as times change.

Count on us – like family

Like you, we have roots in the community, care about what happens here, have goals to reach, and dreams to make come true. Because we share these values, we strive to make you feel at home, call you by name, and make you feel special. Like family. If you’re looking for sound advice, value and commitment, it’s here at FNBT. It’s our commitment and promise to our customers.

Committed to our Communities

Local dollars invested with a local community bank stay local to support local economies and the community as a whole. As a family-focused community bank, First National Bank and Trust is committed to the communities we serve by providing Sound Advice, exceptional service and partnering with various educational, civic and charitable organizations.

If your organization would like to request a donation, or if you have a sponsorship opportunity for FNBT to consider, please complete and submit the online Charitable Contribution Request Form.

Our Performance

Many years of consistent earnings and sound banking practices is another reason why independent ratings firms such as Bauer Financial continue to designate FNBT as a 5 Star Bank. Check out our performance for yourself.