"Our family working with you
for your today and your tomorrow."

At First National Bank and Trust of Elk City and Sayre, we value getting to know our customers and treating them like family. Our bank has been offering financial services since before statehood, and it is our goal to always look ahead and provide customers with the best opportunities for financial stability and succes. We are proud to serve as a pillar of the community, supporting other local businesses and making Western Oklahoma a place families can grow and call home.

— Sandy Werner
Chief Executive Officer/President

CEO Sandy Werner

Our Team

About Us

Our Vision

  • Providing the people of Western Oklahoma a strong and complete financial home
  • Caring for our customers with friendly, dependable, personal service through every stage of life
  • Honoring our heritage as leaders in service to our communities.

There is a Difference...

At FNB&T, we are truly committed to working WITH our customers in helping them to succeed in what they are trying to accomplish.

What is the First National Bank & Trust difference all about?
Just ask our customers...


"Our family’s 28 years of success was made possible by the trust and confidence built on the foundation of that first meeting and the relationship that has been cultivated over many years"

–Chad Smith


"The people that work at First National are heavily involved in the community … [they] will make you feel like you're a part of the First National family.""

–Spencer Smith


"My grandfather started doing business with FNB in the early 1920s…times change, people change, and business changes as time goes by, but through the years FNB could be counted on for honesty and stability."

–Kent Watkins


"This year marks my 20th year in the radio business. I bought my first station with the help of First National Bank and Trust of Elk City and Sayre and would not be where I am today without this partnership that has lasted 20 years and counting. First National Bank & Trust of Elk City and Sayre - There is a difference!"

–Blake Brewer
Owner of seven radio stations


"Friends, neighbors, community. That's what First National is to me. And like Barber/Dyson, customers come first."

–David Dyson
Barber-Dyson Ford/Lincoln Mercury


"'Friends/Loyalty' — That describes the way we feel about First National."

–Sharon Jones
Troy Jones Equipment & Truck Sales, Inc.