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Customer Testimonials

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!

"I made this mistake of initially going through a large mega bank when initially shopping mortgages. 2 months later my refinance was still pending and I couldn't get anyone to pick up the phone. I contacted Dave at 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
expectations."
- Matthew P

"Dustin at First National went above and beyond in processing our refi. We had some title issues and he 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 Ball

"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

"Ann is very professional and trust worthy. I would recommend her to family and friends!
- Lori O

"We have been a customer of FNB 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 FNB. 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

"Our experiences with Dustin have always been great. Dustin was very thorough throughout the whole lending process. My husband and I would never go anywhere else for our lending needs."
- Nicole J

"Ann made our mortgage experience relaxed, friendly, and very professional. We were confident in her knowledge and she answered all of our questions completely."
- Donald 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

​"From the first day I inquired about my mortgage via email to Ann she was on top of it. I felt I had someone in my corner to get me away from a mortgage company that has the worst reviews ever. I felt valued and she was very understanding and helpful when I had lots of questions."
- Jamie R

​"I greatly appreciate all that Dustin did to help make my home purchase the best experience. He was very helpful from the beginning to the day of my closing! Would definitely recommend Dustin to others!"
- Leslie R

"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

"Working with Dustin was fast and easy, which is exactly what we needed. We were updated through the process and would recommend!"
- Trenton K

"Ann was great, she went above and beyond what you would expect from a mortgage loan officer would do. 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 Linda in the future. Same with our commercial relationship with FNB&T - the best!"
- Scott L

"Dustin was fantastic! Helped me through every step!"
- Jillian P

"Ann 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

"Ann did a fine job for us."
- Michael M