On March 21, 1901, just nine short days after the first townsite lots for the new city of Elk City were sold, the Thurmond Brothers - E.K., A.L., O.H., A.N., and I.C. - formed the First National Bank of Elk City. The bank was started with $25,000.00 in capital. Since such meager beginnings, both Elk City and First National have grown in size and stature. Since 1901, descendants of the Thurmond Brothers have owned and managed the bank. As many banks came and went throughout the first of the century, FNB stood strong and grew stronger. As FNB approached its fiftieth anniversary, it planned a complete remodel and renovation of its bank building. By this time FNB had been given the nickname as "Old Reliable" because no matter what was thrown its way it still stood strong. Later, the bank acquired trust powers; changed its name to First National Bank & Trust, Elk City, Oklahoma; opened a branch in Sayre, Oklahoma; and purchased the Mike Neff Agency and later the Cooper West Agency to form the Western Oklahoma Insurance Agency, Inc., in order to expand our services. Today, First National Bank & Trust is consistently recognized by independent bank rating agencies as one of the top banks in the country. It is the only local bank that started with Elk City and it is the only local bank that has been under the same ownership and management since 1901. From its meager beginnings in 1901, the bank has grown to over $326,000,000 in total assets and over $34,000,000 in capital. 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. Visit www.fnbec.com or call 1.580.225.2580. Equal Housing Lender Member FDIC