Question 1

What is First Bank and Trust (Clinton, OK)?

Accepted Answer

First Bank and Trust (Clinton, OK) is a locally owned community bank serving Custer County and the surrounding areas of western Oklahoma. With approximately $57 million in total assets, this institution operates as a single-location bank dedicated to providing personalized banking services to individuals and businesses in the Clinton area. The bank is part of a multi-generational banking legacy that has been serving Oklahoma communities for over a century.

First Bank and Trust is affiliated with Clinton Bancshares, Inc., and maintains its headquarters and sole office at 501 Frisco Avenue in Clinton, Oklahoma.

Question 2

When was First Bank and Trust (Clinton, OK) founded?

Accepted Answer

First Bank and Trust traces its roots to 1903, when First National Bank was opened for business in the newly organized community of Clinton, Oklahoma. The original building was located at the corner of 4th Street and Frisco Avenue and was notably the second building constructed in the newly established town of Clinton.

The bank was founded during a period of significant growth in western Oklahoma, following the establishment of Clinton in June 1903 on land purchased from four Cheyenne Indians. The institution has operated continuously under various organizational structures, maintaining its commitment to the local community throughout its history.

Question 3

Where is First Bank and Trust (Clinton, OK) headquartered?

Accepted Answer

First Bank and Trust is headquartered in Clinton, Oklahoma, located in Custer County. The bank maintains its primary office at 501 Frisco Avenue in Clinton, ZIP code 73601. This location has historical significance as it is near the site of the original First National Bank building from 1903.

Clinton is situated in western Oklahoma and serves as a regional hub within the Weatherford, OK Core Based Statistical Area.

Question 4

Where does First Bank and Trust (Clinton, OK) operate?

Accepted Answer

First Bank and Trust operates exclusively from its single office location in Clinton, Oklahoma. The bank serves Custer County and the surrounding communities in western Oklahoma, providing banking services to the Clinton metropolitan area and nearby rural areas.

The bank's service area includes communities that form part of the agricultural heartland and energy-producing region of western Oklahoma, including areas known for farming, cattle operations, and oil and gas production in the Anadarko Basin.

Question 5

What services does First Bank and Trust (Clinton, OK) offer?

Accepted Answer

First Bank and Trust offers a comprehensive range of community banking services designed for both personal and business customers. The bank's service offerings include:

Deposit Products: Various checking and savings accounts, certificates of deposit, and money market accounts tailored to individual and business needs.

Lending Services: Residential mortgages, home equity loans, consumer loans, and commercial lending products. The bank specializes in agricultural loans supporting the local farming and ranching community.

Digital Banking: Mobile banking app with mobile deposit capability, online banking platform, and online bill pay services, allowing customers to manage their finances remotely.

Additional Services: ATM services, debit cards, and traditional branch banking with personalized customer service.

Question 6

What makes First Bank and Trust (Clinton, OK) unique?

Accepted Answer

First Bank and Trust stands out for its deep-rooted connection to Oklahoma banking history through the Sewell family legacy. The Sewell family has been in banking in Oklahoma since 1899 and is now in its sixth generation of bankers. Originally, J.R.P. Sewell came to the Oklahoma panhandle where he operated several banks in Indian Territory and the panhandle of Texas.

The bank maintains a historic Clinton History Gallery within its facility, featuring various pictures and artifacts that showcase the banking and community history of the region. This commitment to preserving local history reflects the institution's long-standing ties to the community.

As a locally owned bank, First Bank and Trust emphasizes relationship banking, where customers are treated as individuals rather than account numbers. The bank's single-location model allows it to maintain strong personal connections with its customer base.

Question 7

What type of financial institution is First Bank and Trust (Clinton, OK)?

Accepted Answer

First Bank and Trust (Clinton, OK) is a State-Chartered Community Bank. The institution operates under a state banking charter and is regulated by both state banking authorities and the Federal Deposit Insurance Corporation (FDIC), which insures deposits up to applicable limits.

As a community bank, First Bank and Trust focuses on serving the specific needs of its local market area rather than pursuing a regional or national footprint. This model allows the bank to make lending decisions locally and tailor its services to the unique economic characteristics of western Oklahoma, including its agricultural and energy sectors. The bank's structure as part of Clinton Bancshares, Inc. provides additional organizational support while maintaining its community-focused mission.

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