Member FDIC · FDIC-Insured, backed by the full faith & credit of the U.S. Government
First National Bank and Trust

A hometown bank since 1884

Here for farmers, businesses, families, and you.

Rooted in Kansas soil and five small towns, we bank the way a neighbor would, with agricultural lending that understands your ground, and modern tools that keep you moving.

Explore Ag Loans Open an Account
Member FDIC 140 years of trust 5 Kansas hometowns
A tractor working a Kansas field at golden hour A brick First National Bank and Trust branch on Main Street A grandfather and grandchild walking a country road at dusk Two farmers shaking hands in a green soybean field at golden hour

Est. 1884

Long Island, Kansas

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Now for 2026 planting

Ag operating lines that plant with you.

Flexible operating and equipment financing built around your crop year, decided locally by a banker who knows your ground.

Talk to an ag lender

Save with a purpose

A 13-month CD, hometown rate.

Put your money to work close to home. Competitive certificate rates, insured by the FDIC, backed by 140 years of steadiness.

See savings rates

Bank from the field

Digital banking, done neighborly.

Deposit checks, move money, and watch your accounts from the cab or the kitchen table. Modern tools, the same people answering the phone.

Explore digital banking

Find your bank

However you make a living, we've got a place for you.

01 · Ways to bank

Tractor working a field at golden hour
Our #1 product

Agricultural Loans

Operating lines, equipment, livestock, and real estate financing, underwritten by people who understand a crop year.

Explore ag lending

Personal Banking

Checking, savings, debit, and digital banking for every stage of life.

Business Banking

Checking, money market, and cash management for Main Street.

Trust & Estate

Estate planning and stewardship that keeps land and legacy in the family.
Grain auger pouring corn at sunset
Aerial view of a combine working a golden field

02 · Agricultural Lending

Grown here.
Banked here.

Since 1884 we've financed the ground under north central Kansas. Your loan officer lives down the road, decisions are made in town, and we plan around your season, not a call center's script.

  • Operating & input lines, capital for seed, fertilizer, fuel, and feed, structured to your crop year.
  • Equipment & livestock, financing for machinery, herds, and the tools that keep you running.
  • Farm real estate, long-term land loans to grow the operation or pass it on.
See ag loan options

03 · Personal & Digital

Hometown service.
Modern tools.

Bank from the tractor cab or the kitchen table. Deposit a check with your phone, move money in seconds, and set alerts that keep you a step ahead, with the same friendly voice when you'd rather just call.

Mobile Deposit

Snap, deposit, done, no trip to town.

Bill Pay & Transfers

Pay anyone, move money in a tap.

Card Controls

Lock a lost debit card instantly.

eStatements & Alerts

Paperless statements you control.

Explore digital banking
A farmer checking his accounts on a tablet in a soybean field at sunset

04 · Our heritage

A network of five towns, one handshake.

What began in 1884 as a small hometown bank in Long Island, Kansas has grown into five community locations across north central Kansas, trading as First National Bank and Trust, Smith County Bank, and Solomon Valley Bank. Same family values. Same commitment to the people who make this ground go.

Here for YOU in Long Island, Phillipsburg, Logan, Smith Center & Beloit.
Read our story
A grandfather and grandchild walking a country road with their dog

0

Years strong

0

Hometowns

100%

Local decisions

The land we bank

Real Kansas. Real neighbors.

Two children climbing a tractor beside grain bins
The brick First National Bank and Trust branch building
An American flag flying atop a grain bin
A dirt road under a wide Kansas sky

05 · In their words

Banking with a neighbor sounds like this.

“
When the rain didn't come, they restructured our operating line the same week, no committee three states away, just Dave down the hall.
RHRyan H.Row-crop farmer, Smith Center
“
I opened my first savings account here as a kid. Now they handle payroll for my shop. Three generations, one bank.
TMTeresa M.Main Street business owner, Beloit
“
The app is as good as any big bank's, but I can still walk in and someone knows my name. That's the whole point.
JLJim & Linda P.Longtime customers, Phillipsburg

Fraud & Security

Scammers target small towns too. We'll help you spot them.

From pig-butchering scams to spoofed calls, our Fraud Center walks you through recognition, prevention, and exactly what to do if you're targeted. FNBT will never ask for your password or a one-time code.

Visit the Fraud Center

Here for you

Let's sit down at the kitchen table.

Find your nearest branch, call a local banker by name, or start an account online. However you'd like to begin, we're ready.

Find a branch Open an account