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5-Star FNBT | Continuing to Thrive

Release date: 12/11/2020

Beloit, WI – BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, announces that First National Bank and Trust (FNBT), Beloit, Wisconsin has been awarded its highest (5-Star) rating for financial strength and stability. Earning a 5-Star rating indicates this bank excels in areas of capital adequacy, profitability, asset quality and much more. FNBT has overcome every challenge that has been thrown its way over the past year. In fact, the bank has earned and maintained Bauer’s recommendation (5-Stars or 4-Stars) for 76 consecutive quarters.

BauerFinancial 5-Star Award Logo“This rating is impressive in the best of times,” notes Karen Dorway, president of the research firm. “But I can’t overstate the strength and prudence that First National Bank and Trust has exhibited over the past years that got it to this point. And as we begin 2021, we have every reason to believe that First National Bank and Trust will continue to thrive.”

First National Bank and Trust was established in 1882 and has been a boon for the communities it serves ever since. Whether at one of its conveniently located offices throughout Northern Illinois and Southern Wisconsin, on your phone, or online at, 5-Star rated First National Bank and Trust is ready, willing and able to serve its community family, neighbors and friends.

BauerFinancial, Inc., Coral Gables, Florida, is the nation’s leading independent bank and credit union rating and research firm. Bank and Credit Union data is compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. 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-focused, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust has grown to be a leading financial services institution offering products and services for consumers and businesses, as well as trust, retirement services, investment management, brokerage and insurance. We now serve nearly 30,000 households in 13 communities and 16 locations in Southern Wisconsin and Northern Illinois with assets of approximately $1.2 billion. We treat our customers, employees, shareholders and communities like family, with a goal of helping all our families succeed. Providing Sound Advice and delivering an exceptional experience has positioned First National Bank and Trust as a Stateline leader in the industry. For additional information, visit

First National Bank and Trust: “Give us a try. We’ll treat you like family.”