Our Team

First National Bank and Trust Company Officers

Josh Shofner headshot

Josh Shofner – President

Josh joined First National Bank and Trust in 2000 upon completion of his B.S. in Mathematics from the University of Illinois. In 2002, he graduated from the Midwest School for Community Bankers with honors. He has worked on the consumer and commercial side of lending while also serving as the Bank Secrecy Officer for 13 years with a significant involvement in operations and compliance. In 2012, Josh received his M.B.A. from Illinois State University with a concentration in Finance while earning the programs top award during his final semester, the MBA Distinguished Leadership Award. In 2017, he was named Market President for First National Bank and Trust. In addition to his bank service, Josh has served 13 years as a DeLand-Weldon School Board member, the Village of Weldon Treasurer since 2016, and as a member of the Clinton Rotary Club since 2000.


 lance white headshot

Lance White - VP of Ag and Business Banking

Lance White joined First National Bank and Trust Company as Vice President of Ag and Business Banking in 2022. Prior to FNBT Lance was the A.V.P. in Commercial Lending at a community bank in Clinton, IL. He has more than 25 years of experience in consumer, commercial and mortgage lending. His career in banking began shortly after graduating from Olivet Nazarene University (B.A. in Accounting) by starting as a teller in his hometown. He has completed several banking schools including IBA’s 2-year Bankers School, IBA Residential Real Estate Lending School, IBA Consumer Lending School and the CBAI Basic Compliance School. Early in his career he also doubled as the Loan Compliance Officer for 5 years. Lance has served in his local community as a board member in Kiwanis Service Club, Exchange Club, Clinton First Church of the Nazarene and DeWitt County Development Council, where he’s also served as the treasurer.  Lance’s goal is to provide a positive and personal experience for every client that exceeds their expectations.


 rhett hillard headshot

Rhett Hillard - AVP of Consumer Credit

Rhett joined First National Bank and Trust in 2020, and serves as Assistant Vice President of Consumer Credit. He graduated Illinois State University in 2005 with a B.S. in Business Administration. After college, he served in the U.S. Army till 2010. He deployed to Afghanistan in 2008 & 2009 as part of Operation Enduring Freedom- Combined Joint Special Operations Task Force.  He received the Bronze Start medal in 2009. Return home in 2010, he joined a family construction business focused on overhead and entry doors.  Rhett left construction to join the bank in 2020 as a Mortgage Specialist. He focuses on real estate and consumer loans of all types.  As well as driving modernization of the First National Bank & Trust mortgage process. He is a member of the Clinton Rotary Club since 2020.


Rachel Costello headshot

Rachel Costello – VP of Personal Banking

Rachel joined First National Bank and Trust Company in October 2010, and today she serves as the Vice President of Personal Banking. Her work experience includes four years with a Central Florida credit union, six years as a marketing and project support coordinator in Decatur, Illinois, and her most recent tenure with FNBT. During her time with First National Bank and Trust Company, Rachel has been involved in customer service, personal banking and lending functions. Rachel is a proud Millikin University Alumni, having received her Bachelor’s Degree in Management and Organizational Leadership, cum laude, in 2005. Since 2017, she has served on the Clinton Community YMCA as a board member and enjoys community based projects.


Tammy Shouse headshot

Tammy Shouse – Director of Bank Operations

Tammy Shouse has been with First National Bank and Trust Company for 18 years.  Before joining FNBT, Tammy served in a plastics factory located in Clinton for 18 years. She began her career with First National Bank and Trust Company as a Client Service Representative, and then she transitioned to duties in the loan department. After her combined experience on the frontline and working with loans, Tammy began serving in the bookkeeping department where her daily tasks continued to expand. In 2022, Tammy was promoted to Director of Bank Operations.


Matt Riley headshot

Matt Riley, ChFC® , ChSNC® - Fiduciary Officer, VP

Matt Riley was named Fiduciary Officer, VP, for First National Bank and Trust Company in January 2019, helping clients to meet their prosperity goals through investment and estate planning. Prior to joining FNBT, Matt had risk and compliance analysis experience at State Farm Bank in Bloomington, Ill. Matt is a proud Illinois State University Alumni, receiving his B.S. in Finance with an emphasis in Financial Planning. He has continued his education journey, earning other designations including the Chartered Financial Consultant designation. In addition to his bank service, Matt became a member of the Clinton Rotary Club in April of 2019 and became a board member for the Warner Hospital & Health Services Foundation in May of 2019.


Board of Directors

Joshua M. Guttau
Chief Executive Officer
Josh Shofner
Randy Rice
Funeral Director, Calvert Funeral Homes
Sidney P. Rohrscheib, M.D., P.C.
d.b.a. Illinois Bariatric Center
Rick Gibson
Retired Chairman, CEO of Agro International