Circa 1882. Beloit is a typical small-town American hometown, with a population of no more than 5,000 people and First National Bank and Trust is born. What started as a family-run business more than 140 years ago continues to be a family-run business today. Still proudly serving the people of Beloit and surrounding communities, we have grown to be a leading financial services institution offering products and services for consumers and businesses with 16 full-service locations throughout Southern Wisconsin and Northern Illinois and $1.2 billion in assets. We firmly believe that our rich history and strong connection to the community is what allows us to continue to provide top-notch banking services.