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Community bank established in 1903 offering online banking, mobile app access, and home loan products with a focus on personalized customer service.
Data compiled from public sources
First Bank and Trust Company is a community-focused financial institution with over 120 years of banking history, having served communities since 1903. The company positions itself as a reported lender with deep roots in community banking, emphasizing long-term relationships and local service rather than impersonal corporate banking. The company's primary service offerings include online and mobile banking platforms for account access, internet banking sign-up services, and home loan products.
Their mortgage division emphasizes flexibility, rate claims to verify, and personalized support throughout the lending process. The website indicates they serve both first-time homebuyers and those refinancing or upgrading properties, with an emphasis on making homeownership more accessible through tailored loan options. First Bank and Trust distinguishes itself through its historical longevity and community banking approach.
The website emphasizes a streamlined, stress-free process and personalized guidance, positioning themselves as relationship-oriented rather than transaction-focused. Their multi-channel access (online, mobile app, in-person contact) reflects modern banking expectations while maintaining a community bank identity. Based on available website information, this is a legitimate regional community bank with standard offerings.
However, the website provides limited specific details about loan products, rates, terms, lending criteria, or comprehensive service descriptions. Prospective customers would need direct contact to obtain detailed information about mortgage products, eligibility requirements, and competitive positioning versus larger mortgage lenders.
This is state-level context for Banks consumers in Clinton, OK. It does not confirm that First Bank and Trust Company or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Bank and Trust Company offers 8 services including Online banking platform, Mobile banking application, Home loans for purchase, Mortgage refinancing, Internet banking sign-up, and 3 more.
First Bank and Trust Company has profile signals associated with Community-minded borrowers seeking relationship-based banking and local service, First-time homebuyers wanting personalized guidance through the mortgage process, Existing customers of the bank looking to consolidate banking and mortgage services.
Key strengths: Established 1903 with over 120 years of community banking history and stability; Offers both online and mobile banking platforms for 24/7 account access; Provides personalized mortgage support and guidance through the lending process. Areas to consider: Website provides minimal specific details about mortgage rates, terms, or product specifications; Limited information about lending criteria, down payment requirements, or loan types offered.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Bank and Trust is appropriate for customers seeking community-oriented banking with mortgage services, particularly those valuing relationship-based service over large-scale online lenders. The primary caveat is the website's lack of listed product details, rates, and terms—interested borrowers must contact the bank directly to compare offerings against competitors.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with rate claims to verify and local relationship-based service.
Profile signals: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Profile signals: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Profile signals: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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