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5-Star FNBT | Doing the Right Thing

Release date: 10/4/2019

Beloit, WI – First National Bank and Trust has achieved another Superior 5-Star Rating from BauerFinancial, the Nation’s Premier Bank Rating Firm. Not only has First National Bank and Trust earned Bauer’s highest (5-Star) rating for financial strength and stability, it has maintained Bauer’s recommended rating (5-Stars or 4-Stars) for 71 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“BAUERFINANCIAL would like to congratulate Steven Eldred, CEO, and David McCoy, President, and their entire team at First National Bank and Trust. Strong leadership and dedication to excellence both inside the bank and outside in the community are the building blocks for success,” remarked Karen L. Dorway, president of the research firm. “Community banks, like First National Bank and Trust, are fiscally-fit because they go the extra mile to help their neighbors and friends be fiscally-fit as well. In the end, First National Bank and Trust reaps the benefits of the strong communities it helped to build,” concluded Dorway.

Now, after 137 years, 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 and 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."