First National Bank and Trust
- Jason ReddChief Lending Officer · Company website
How we got $1.8M
Based on typical figures for its industry (2022 Economic Census), not its own records.
What we know
Signs of a sale Likely to sell
- In business 125 years (since 1901)
- No family successor named on its website
From public records and the company's website, not a statement that it's for sale.
What they do
First National Bank & Trust of Elk City and Sayre is a bank serving Western Oklahoma with business and personal banking, including agricultural and commercial loans.
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 | $1.8M | — |
| Interbank Sayre | $1.8M | 1.5 mi |
| First National Bank and Trust Elk City | $18.7M | 12.8 mi |
| Great Plains Bank - Administration Building Elk City | $1.8M | 13.0 mi |
| Great Plains Bank Elk City | $157.7M | 13.2 mi |
| InterBank Elk City | $1.8M | 13.5 mi |
| IBC Bank Elk City | $1.8M | 13.6 mi |
The full calculation
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
This business has no PPP loan on record, so there is no business-specific data. The figures are the typical estimated revenue of Depository credit intermediation businesses in our Oklahoma data: the middle value, with the range covering the middle half of those businesses. EBITDA applies the industry margin (45%). Treat these as a rough guide.
| Revenue range | $570K – $2.6M |
| EBITDA range | $256K – $1.2M |
| 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. These are statistical estimates, not reported financials. Listing details come from Overture Maps open data. Full methodology
History & advisors
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 Roles are as stated there and may be out of date.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 Sayre, Oklahoma, in business since 1901. It is owned by Sandy Werner (Chief Executive Officer/President). Its estimated annual revenue is about $1.8M, with roughly $813K 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?
- SeeBITDA estimates First National Bank and Trust's annual revenue at about $1.8M (likely between $570K and $2.6M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- When was First National Bank and Trust founded?
- First National Bank and Trust has been in business since 1901.
- Is First National Bank and Trust for sale?
- There's no public listing, but it shows signs that often come before a sale: in business 125 years (since 1901); no family successor named on its website.