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5-Star FNBT | Putting the Community in "Community Bank"

Release date: 6/2/2021

Beloit, WI – First National Bank and Trust, has once again been awarded the highest (5-Star) rating for financial strength and stability from the Nation’s Premier Bank Rating Firm, BauerFinancial, Inc. In order to earn the 5-Star rating, FNBT underwent an independent analysis of its financial condition and came out on top! First National Bank and Trust has the strength to support its community as it consistently excels in areas such as capital strength, profitability, asset quality, and much more. This is the 78th consecutive quarter that First National Bank and Trust has earned a recommended rating (5-Stars or 4-Stars) from Bauer.

BauerFinancial 5-Star Award Logo“One thing that has been made clear in the past year and a half is that a bank is neither a building nor technology. While both are good and necessary, it’s the people behind the walls and technology that make a bank what it is. They are also what has made First National Bank and Trust such an invaluable resource for the community. First National Bank and Trust’s employees have shown tremendous dedication and commitment to both customers and the community”, notes Karen Dorway, president of BauerFinancial. “Community banks, like First National Bank and Trust, help their neighbors through the good times and the bad. And First National Bank and Trust’s employees have done an admirable job, maintaining an unblemished balance sheet all the while.”

FNBT was established in 1882 and has been a source of strength for neighbors and friends throughout the community for 139 years. Dedicated employees are at your service and ready to lend a hand. Find them at the branch, by phone or online at

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 $1.4 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.”