First National Bank and Trust
How we got $18.7M
Based on FDIC call report (2025).
What we know
What they do
First National Bank & Trust of Elk City and Sayre is a bank serving Western Oklahoma since 1901, offering business and personal banking, loans, and trust services.
From the company's website. Industry: Banks & credit unions.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| First National Bank and Trust this business | $18.7M | — |
| Great Plains Bank - Administration Building Elk City | $984K | 0.2 mi |
| Great Plains Bank Elk City | $157.7M | 0.5 mi |
| InterBank Elk City | $984K | 0.8 mi |
| IBC Bank Elk City | $984K | 0.9 mi |
| Bank of Western Oklahoma Elk City | $32.6M | 2.0 mi |
| First National Bank and Trust Sayre | $984K | 12.8 mi |
The full calculation
These are the business's own reported figures, from its FDIC call report, not an estimate.
| Revenue range | $17.7M – $19.6M |
| EBITDA range | $6.3M – $6.9M |
| Industry (NAICS) | Depository credit intermediation (5221) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Listing details come from Overture Maps open data. Full methodology
People & advisors
“Since 1901, descendants of the Thurmond Brothers have owned and managed the bank.”
Leadership
- JRJason ReddChief Lending Officer · Company website · source
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About First National Bank and Trust
First National Bank and Trust is a banks & credit unions company in Elk City, Oklahoma, in business since 1901. It is owned by Sandy Werner (Chief Executive Officer/President). Its reported annual revenue is about $18.7M, with roughly $6.6M of EBITDA.
Common questions
- Who owns First National Bank and Trust?
- First National Bank and Trust is owned by Sandy Werner (Chief Executive Officer/President), according to public sources such as the company's website or filings.
- How much revenue does First National Bank and Trust make?
- First National Bank and Trust reported revenue of about $18.7M.
- When was First National Bank and Trust founded?
- First National Bank and Trust has been in business since 1901.