First National Bank and Trust (FNBT) is a local, family-focused community bank located in downtown Beloit. It offers a variety of banking services, including business loans, farm loans, personal checking, retirement planning, and online banking. Customers appreciate the friendly and professional staff, who are known for their patience and knowledge. Many have been members for over 20 years, highlighting the bank’s reliability and strong community ties. The downtown location and branches at grocery stores provide convenient access for residents. Although some customers experienced challenges during the loan process, staff members like Lori have been praised for their exceptional service, swiftly resolving issues and ensuring a smooth experience. Overall, FNBT is recognized for its commitment to providing high-quality, local banking solutions.
Very nice & helpful staff, Sabrina was an employee who stayed late and went above and beyond to figure some things out for us before leaving- her positivity & help was really appreciated :)
January 2026
Staff is very friendly, always get greeted when coming into the building.
November 2025
Whether using the drive up or going into the lobby, I have found the employees to be courteous, friendly and very helpful. The atmosphere is warm and inviting. The services available have met all of my needs.
