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5-Star FNBT | One of the Nation's Strongest Banks

Release date: 3/17/2020

Beloit, WI – BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, has once again commended First National Bank and Trust, Beloit, Wisconsin on its achievement of another 5-Star Superior Rating. Not only has First National Bank and Trust earned Bauer’s highest (5-Star) rating for financial strength and stability, it has maintained that top rating for 10 consecutive quarters. Earning this 5-Star rating indicates that the bank closed out calendar 2019 excelling in areas of capital adequacy, profitability, asset quality and much more.

BauerFinancial 5-Star Award Logo“As the president of BauerFinancial, I am often asked what it takes to be a 5-Star bank,” reflects Karen Dorway, president of the research firm. “Like so many other things in life, success in banking boils down to knowledge. Knowledge of banking, of course, but knowledge of its customers and the communities the bank serves are equally important. This intimacy enables the bank to steer clear of danger and work with customers for a common goal. It’s what gets so many community banks, like First National Bank and Trust, through the tough times unscathed.”

First National Bank and Trust was established in 1882 and has been working side by side with neighbors and friends for 138 years, helping to make the community what it is today. Currently, First National Bank and Trust operates through conveniently located offices throughout Northern Illinois and Southern Wisconsin, including locations in Beloit, Roscoe, Janesville, Monroe, Walworth and the Stateline area. National Bank and Trust can also be found 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."