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5-Star FNBT | A Trusted Community Bank

Release date: 3/3/2021

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. Earning this 5-Star rating is proof that First National Bank and Trust excels in such areas as capital adequacy, profitability, asset quality and much more. This is no coincidence. In fact, this is the 77th 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“This is indeed reflective of First National Bank and Trust’s dedication and commitment, not only to its customers, but to the entire community”, reflects Karen Dorway, president of BauerFinancial. “Community banks, like First National Bank and Trust, have been on the front lines doing what is necessary to help their neighbors and friends. This is the type of devotion you will only find in a community bank.”

Established in 1882, First National Bank and Trust has been a trusted ally of the communities it serves for nearly 140 years. Rest assured, 5-Star rated First National Bank and Trust’s personnel are eager to serve: at the branch, by phone and 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.”