Press Release

BauerFinancial Gives First National Bank and Trust Secures 5 Stars

Release date: 6/4/2018

Beloit, WI – First National Bank and Trust (FNBT) is proud to announce that it has once again secured the highest 5-Star rating from BauerFinancial, a bank rating firm out of Coral Gables, Florida. (A five-star rating indicates the bank excels in areas of capital adequacy, profitability, asset quality and much more.) In fact, FNBT has earned and maintained Bauer’s Recommended Rating (5-Stars or 4-Stars) for the last 66 consecutive quarters.

5-star-logo-JUNE-2018Like Bauer, regulators agree that smaller institutions “are often better positioned than larger institutions to understand and quantify local real estate market values since they serve a smaller, more defined market area.” – Federal Register, April 9, 2018. “It makes perfect sense; local people who know the area are making local decisions based on that knowledge”, agrees Karen L. Dorway, president of BauerFinancial. “Community banks, like First National Bank and Trust, are banking on a better future together with their community.”

First National Bank and Trust has been investing in the future of its communities for 136 years. Today it operates 16 conveniently located offices, including locations in Beloit, Roscoe, Janesville, Monroe, Walworth and the Stateline area.

About BauerFinancial:
BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at

About First National Bank and Trust:
First National Bank and Trust Company is a family-owned, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust Company now serves nearly 30,000 households in 13 communities and 16 locations in Southern Wisconsin and Northern Illinois with assets of approximately $1.1 billion.  Commitment to full service banking, investments, asset management, exceptional service, and Sound Advice has positioned First National Bank and Trust Company as a Stateline leader in the industry. For additional information, visit