FNBT Introduces Central Market Team & Enhanced Service Model

Release date: 4/11/2025

Beloit, WI, April 11, 2025 – First National Bank and Trust (FNBT) is proud to introduce its new Central Market team, a strategic realignment that puts customers first while staying true to our core values. This customer-focused initiative unites FNBT’s four Beloit, WI branches – Beloit-Grand Ave, Beloit-Madison Rd, Beloit-Cranston Rd, and Beloit-Inman Pkwy – along with the Clinton, WI location, creating a unified team dedicated to delivering exceptional, values-driven financial solutions for individuals and businesses in the area.

FNBT’s market realignment consists of five total markets:

• Central Market – Beloit (Grand Ave, Madison Rd, Cranston Rd, Inman Pkwy) and Clinton branches
• North Market – Janesville (Holiday Dr and Hwy 51 branches)
• West Market – Monroe and Argyle branches
• South Market – Illinios branches (Rockton, Roscoe & Winnebago)
• East Market – Walworth County branches (Walworth, Williams Bay, Elkhorn, Delavan & Darien)

 
“This approach reinforces our commitment to building lasting relationships through personalized service that honors the values our customers expect from us,” said Chelsea Ballou, EVP Chief Banking Officer. “By fostering collaboration among our teams, we are enhancing the way we serve our customers. This realignment reflects our ‘Always Here’ commitment – being there for our customers with the right resources, expertise, and support at every stage of their financial journey.”

A Customer-Focused Approach
FNBT’s Central Market team is structured to support customers based on their unique financial needs, ensuring a high level of service across all touchpoints.
 
Solutions Banking Team
For customers with everyday banking needs, the Solutions Banking Team – comprised of branch staff and customer support professionals – will provide convenient assistance both in-branch, over the phone, and through digital channels. This team exemplifies FNBT’s approachable nature, ensuring customers feel welcome and supported.

• Barbara Schultz, Vice President Market Manager
• Jose Moreno, Assistant Vice President Branch Manager: Beloit-Madison Rd and Beloit-Cranston Rd locations
• Tyler Noto, Assistant Vice President Branch Manager: Beloit-Inman Pkwy location
• Joanna Miranda, Assistant Vice President Branch Manager: Clinton, WI location
• Marissa Falzone, Assistant Branch Manager & Officer: Beloit-Grand Ave location

 
Relationship Banking Team
For customers looking for more comprehensive financial guidance—whether purchasing a home, expanding a business, or planning for retirement—FNBT’s Relationship Bankers offer dedicated expertise across consumer, commercial, and wealth management services. This team’s dependable approach ensures customers receive knowledgable, long-term financial guidance.
 
Consumer Relationship Bankers:

• Nakia Nelson, Assistant Vice President Relationship Banking Officer
• Steve Bamberger, Vice President Loan Production Manager
• Toni Brown, Senior Residential Loan Originator

 
Business Relationship Bankers:

• Brian Anderson, Vice President Commercial Banking Officer
• Dan Mowers, Vice President Commercial Banking Officer
• Jessica Hernandez, First Vice President Cash Management Manager
• Drew Olstead, Business Development Officer

Wealth Management Relationship Bankers:

• Melinda Lucchesi, Vice President Trust Officer
• Fran Sorenson, Assistant Vice President Trust Officer
• Robin Chambers, Officer Trust Officer
• Mark Heffel, Investment Officer
• Jacqueline Wingard-Suggs, Investment Officer

 
Additionally, Kim Bittner, First Vice President Dedicated Banking Officer, serves as the primary contact for individuals with a long-term banking relationship and diverse banking needs across multiple FNBT services. She works closely with all departments to provide a seamless and integrated experience, reflecting FNBT’s resilient commitment to evolving with customers’ financial needs. Her role underscores FNBT’s dedication to being ‘Always Here’ – offering consistent, tailored financial solutions to those who entrust FNBT with their banking needs.

About First National Bank and Trust:
First National Bank and Trust, headquartered in Beloit, Wisconsin, has been a pillar of the community since 1882. With a rich history of customer-focused solutions, FNBT has evolved into a leading financial services institution, offering a comprehensive range of products and services for consumers and businesses, including trust, retirement services, investment management, and brokerage. Serving nearly 30,000 households across 13 communities and 17 locations in Southern Wisconsin and Northern Illinois, with assets of approximately $1.5 billion, FNBT is "Always Here" to understand individual customer needs, provide expert guidance, and offer the products, services, and support to empower everyone to thrive. This commitment to dependability, approachability, and resilience has established First National Bank and Trust as a leader in the industry. For more information, visit www.bankatfirstnational.com.