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5-Star FNBT | A Bank You Can Trust

Release date: 1/7/2020

Beloit, WI First National Bank and Trust (FNBT) achieved another Superior 5-Star Rating in December 2019 from BauerFinancial, the Nation’s Premier Bank Rating Firm. Not only is the 5-Star Rating earned for financial strength and stability, but indicates that the bank excels in areas of capital adequacy, profitability, asset quality, and more.  FNBT has been awarded this highest possible rating for 9 consecutive quarters. Earning and maintaining Bauer’s highest 5-Star rating indicates First National Bank and Trust is one of the strongest banks in the nation.

BauerFinancial 5-Star Award Logo“Relationship banking is a lot like any other relationship,” notes Karen Dorway, President of BauerFinancial. “It’s much easier to maintain confidence and trust than trying to win it back. While a lot of Wall Street banks lost it, First National Bank and Trust never did. In fact, a recent Federal Reserve survey found that while fewer than half of big bank customers are satisfied with their overall banking experience, the vast majority of community bank customers are satisfied. And, local businesses dealing with community banks, not only reported the most satisfaction, but also the most success. Those findings didn’t surprise us. Community banks, First National Bank and Trust included, are local small businesses themselves, so they have a definite leg up on outsiders.”

FNBT has been helping its neighbors and friends since it began in 1882. Today, after 137 years, it continues to provide a superior personal experience through conveniently located offices throughout Northern Illinois and Southern Wisconsin, including locations in Beloit, Roscoe, Janesville, Monroe, Walworth, and the Stateline area. You can find FNBT online at

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

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.”