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Customer Testimonials

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At First National Bank and Trust, we treat our customers and communities like family by providing exceptional service and Sound Advice. Don't take our word for it... read below to see what our customers have to say about us.
Give us a try. We'll treat you like family!

Read What Our Customers Say About Us

"I would recommend FNBT for its friendly staff, no high pressure tactics, and making the process easy."
- James Q

"I chose First National Bank because it is a local bank and I wanted that "local feel" with my lender. That is exactly what I got. Our lender was truly amazing! As a first-time homebuyer I had no idea what I was doing. He called me and filled out my application with me, explained the process and what would happen every step of the way. He answered all of my questions thoroughly and timely (even after-hours and on weekends)! I seriously could not have done it without him."
- Dana S

"First rate service that left me feeling satisfied with what can normally be a stressful process."
- Kyle P

"FNBT made the whole process easy and kept me informed every step of the way."
- Jamie V

"Our refinancing was a very efficient process, and at a competitive interest rate and a reasonable cost with the market. Our loan officer completed the entire process extremely efficiently and professionally, with a nice personable touch!"
- John H

"My wife and I have dealt with the same loan officer for several real estate purchases. Competent and personable would describe her performance. I can always rely on her when in need of mortgage lending services."
- Thomas H

"First National made the loan process quick and painless. Thank you FNBT!"
- Christopher M

"We are extremely satisfied with the service we received from First National Bank and Trust, particularly from Erica Strom!"
- Robert S

"Working with our lender made my buying experience easy. During such a stressful time, I knew I could rely on FNBT to properly take care of the mortgage process."
- Amanda Y

"I needed to pay off a settlement debt. Steve worked with me to refinance a couple investment properties to make it achievable and was also able to lower my property payments."
- Todd C

"I was referred to Toni Tilley by a friend to refinance my home. She told me Toni would take care of everything, and she did! Toni was absolutely wonderful. She walked me through everything and helped me with my list of questions. What a fantastic experience!"
- Susan M

"First National made refinancing easy, painless, and efficient, and the savings were terrific. The people made it a friendly and personal experience, so I had my daughter work with First National on her first home purchase."
- Charles M

"Sharon Phillips is a true gem! Incredibly helpful from start to finish and always with a smile. I appreciate her!"
- Heidi S

"Erica and her team at First National Bank were so wonderful to work with. This was my first time refinancing, and they took the time to explain the process to me thoroughly going over all documentation, taking me step by step through the entire process. I was very pleased and would highly recommend them."
- Julie S

"Toni and Kelsey were an A+ mortgage team for me".
- Therese G

"Refinancing with First National Bank was a positive experience. Erica went above and beyond to make sure we could close on time. She was always calling and checking in with us about the process. If I called her, she returned my call quickly. This is our second time using First National for a mortgage loan, because the first time was a positive experience from start to finish. Competitive rates and great customer service at a local bank. Would highly recommend for any banking service."
- Charles E

"All of our loan and banking experience with First National has been very pleasant, their great communication and professional service is second to none!"
- Daniel F

"Sharon Phillips provided accurate, friendly and prompt service for Angie and I with our mortgage refinance".
- Michael W

"Erica Strohm was very awesome to work with! She was the most helpful banker we have had! Highly recommend."
- Susan E

"Steve from First National Bank and Trust was great. He always communicated with us on what the next steps were, and answered all of our questions in a timely manner. Even though we did not see him in person, we felt like we had a good relationship with him due to his thorough and timely communication."
- Melva P

"If you need a new mortgage or refinance, First National Bank is the most dependable mortgage lender you will find. Thank you for your quick service."
- Barbara S

"I made the mistake of initially going through a large mega bank when initially shopping mortgages. Two months later my refinance was still pending and I couldn't get anyone to pick up the phone. I contacted First National based on a referral from a friend. This was the best thing I could have done. A few weeks later I was sitting at closing with a significantly lower interest rate, reduced closing costs with a loan officer who consistently communicated with me through out the process. This was during covid-19 at its worst and First National never failed to exceed my
- Matthew P

"First National went above and beyond in processing our refi. We had some title issues and our lender stayed on top of it and worked with our attorney to resolve it so we had funds to pay subcontractors performing major renovations on our historic home. His personal touch made an otherwise stressful situation manageable."
- Sean L

"Laurie Selvie was truly amazing. Very professional , courteous, timely and friendly."
- Mark R

"From the beginning of my loan until the time I closed Diane was always keeping me informed and making sure I had no questions. She was very friendly and prompt. I was informed well in advance regarding my appraiser coming and they were also very prompt and friendly."
- Pamala B

"Diane Tuttle was awesome to work with. Diane genuinely listened to our needs and was able to deliver. Thanks for all your help!"
- Matthew K

"We have been a customer of FNBT for over 25 yrs. The staff have always been friendly and know us by name including our children who recently took a mortgage out through FNBT. They advised us like we were a family member."
- Benjamin S

"First National Bank and Trust and staff have been great to work with and support our personal needs through many years of our banking relationship."
- Robert W

"Sharon is such a thorough, efficient, friendly worker. She is so timely every time I work with her, I cant say enough nice things about her."
- Jessica K

"Friendly personalized but professional service one can only receive from a local bank."
- Eivind S

"Our loan process was the easiest of any experience with a lender we have ever had. They were efficient and helpful. It was the easiest part of purchasing a new home. We are so happy with our decision in choosing First National and Erica Strohm. Job well done."
- Aubrey W

"An excellent full-service family owned and local bank that goes above and beyond all expectations."
- Anthony F

"I have always been treated like a close friend or family member by everyone I deal with at any of the branches."
- Brian L

"I received great updates after closing informing me of rebates I can take advantage of during the tax season."
- Tracy R

"A great bank to work with."
- Mark W

"I have a MOUNTAIN of student loan debt and was a first-time home buyer with pretty decent credit and a debt-to-income ratio that left much to be desired. With that fun context, I went to an online mortgage lender who promptly said "No." Then I went to a national bank, with whom I had a positive 12 year relationship, and they said "No." Then I met Erica and FNBT, and they said "Yes!" Now my family has a home of our own with a mortgage that we can afford and make real progress paying off. Winning happens here."
- Benjamin S

"I have been banking with First National for years, but did not utilize them for auto or mortgages. I gave them a try and found it to be a very positive and easy experience. I will definitely do future business with First National Bank!"
- Bradley & Daneen T

"First National Bank has always made my experience comfortable with their friendly service and hometown bank atmosphere."
- Curtis B

"Quick turnaround. Easy transition."
- Holly A

"Greg made our re-fi experience effortless and painless due to his attentiveness and the very congenial way he communicated with us and handled the entire process from our first call to the closing of our loan."
- Lee & Sherry F

​"Erica is probably one of the best lenders I have had the pleasure of dealing with, she is truly an asset to First National! Thank you!"
- John G

"Our loan officer went above and beyond what you would expect. She walked us through every aspect of the process and took the time to explain everything that we did not understand. We have been trying to buy a new home for 3 years and every time we dealt with her and she explained how we would make it possible."
- Aaron K

"Toni facilitated the loan process, solved any issues and calmed our nerves when needed. We intend to use her for any future loans through First National Bank."
- Kaj A

"Sharon made our mortgage refinance a great experience. She was informative, courteous, overall a great person to work with."
- Kristopher B

"Ms. Erica is personable, brilliant, conscientious and very ethical."
- Steven Z

"Excellent experience"
- Jose G

"Will continue to work with our loan officer in the future. Same with our commercial relationship with FNBT - the best!"
- Scott L

"Our loan officer was amazing and we appreciated her support and advice in what turned out to be an extended building process."
- Roland I

"I have banked with First National Bank for years...have savings, checking, refinance, credit card. Have only had good experiences"
- Patricia G

"Very friendly and very clear in the process. In the result, it becomes very trusting."
- Fumiaki K