Shared values. Lasting relationships.

We treat our customers, employees, shareholders and communities like family by delivering an exceptional experience. 

If you’re looking for a bank that’s a little different, bank with us. Whether you’re around the block or in the next county, First National Bank and Trust is the wellspring for all your financial needs. With more than 130 years in the banking business, we're a local, family-focused community bank headquartered in Beloit, Wisconsin, serving communities throughout Northern Illinois and Southern Wisconsin.

Though banking has certainly evolved over the years, our reason for being has never wavered - to provide Sound Advice, localy loyalty and integrity without compromise. We will always treat our customers and community like family - so whatever the need, you can always feel right at home with us. 

Give us a try. We'll treat you like family.

Sound Advice runs in the Family...see for yourself with this special offer! 

Get up to $150*

Sound good?​​

...or stop in and see us at the FNBT location near you! We'd love to meet you. 


Visit an FNBT location near you to open your new account!​​

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*To qualify for the full $150 incentive, a new consumer checking account must be opened between 10/01/19 and 12/31/19 and customer must pay 3 bills using FNBT’s online bill pay by 01/31/2020. New checking account will not be eligible for offer if customer has an existing consumer checking account or has closed an account within the past 90 days. Customer will receive $50 for each bill paid online up to a maximum of 3 bills ($150). Amount will be credited to the eligible account within 90 days after the promotional period has ended. To remain eligible for the offer, account must remain open and active. Accounts with zero transactions within the 90 days leading up to bonus payment, will forfeit the bonus. Limited time offer. All incentives will be identified as “Bill Pay Incentive” on your monthly statement. The value of the incentives may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.