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5-Star FNBT | Thriving in the Face of Adversity

Release date: 9/8/2020

Beloit, WI – BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, has announced that First National Bank and Trust (FNBT), Beloit, Wisconsin has been awarded its highest (5-Star) rating for financial strength and stability.

BauerFinancial 5-Star Award LogoThat means that, even in the current climate, FNBT is able to excel in such areas as capital adequacy, profitability and asset quality. Earning and maintaining recommendation (5-Stars or 4-Stars) for 75 consecutive quarters, especially in this environment, makes its accomplishment even more impressive.

“First National Bank and Trust is proof that some banks are able to thrive even in the face of substantial adversity. And we know the secret. As your local, community, family-focused bank, First National Bank and Trust has a deep understanding of the needs and conditions of this area, perhaps better than anyone,” reflects Karen Dorway, president of BauerFinancial. “In times of need, community banks coalesce with the community itself and work toward one common goal, making it to the other side. First National Bank and Trust has been committed to the people and businesses in this community since 1882 and its dedication is stronger than ever.”

First National Bank and Trust continues to be there for the community. Whether in person at a branch, or virtually at, 5-Star rated First National Bank and Trust is at your service.

BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm. Bank and Credit Union data 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

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.”