Business Details
Emergency
services
Your Trusted Partner for Personal and Business Banking Solutions
First National Bank & Trust is the nation's largest tribally-owned bank, dedicated to investing in the communities we serve. Our foundation is built on combining big-bank capabilities with a small-town touch, ensuring personalized service that meets customers where they are. With decades of collective experience in banking, our team specializes in creating innovative financial solutions tailored to individual and business needs. We prioritize relationship banking to deeply understand client circumstances, offering customized lending options, digital tools, and cash management strategies.Our commitment to transparency, ethical practices, and community reinvestment has established us as a trusted financial partner. We continuously strive to exceed expectations through technological advancements while maintaining the human connection that defines our service approach.
Services
Personal Checking
Business Loans
Mortgage Services
Online Banking
Commercial Real Estate Loans
Savings Accounts
Treasury Management
CDs
SBA Loans
Mobile Banking
Highlights and features
- We offer locally-tailored banking solutions with nationwide capabilities
- Our team provides personalized relationship banking with deep community knowledge
- We specialize in competitive lending options for individuals and businesses
- 24/7 digital banking access with advanced security features
- Tribally-owned bank reinvesting profits into community development
Services
Personal Checking
Our personal checking accounts offer flexible banking solutions with no monthly maintenance fees. Features include free online bill pay, mobile check deposit, and nationwide ATM access. Designed for everyday financial needs, these accounts provide convenient money management tools while maintaining competitive interest rates for qualified customers.
Business Loans
We provide tailored financing solutions for business growth, including term loans, lines of credit, and SBA-guaranteed loans. Our local commercial lenders work closely with clients to understand unique business needs, offering competitive rates and flexible terms for working capital, equipment purchases, or expansion projects.
Online Banking
Our 24/7 online banking platform enables account management from any device. Features include real-time transaction tracking, instant money transfers, eStatements, and secure messaging. The platform integrates with mobile banking apps for added convenience, providing comprehensive financial control through user-friendly digital tools.
Mortgage Services
We offer a complete range of residential mortgage products including conventional, FHA, VA, and rural development loans. Our mortgage team provides personalized guidance through the home buying process, with competitive rates and local decision-making to ensure timely closings for purchase or refinance transactions.
Treasury Management
Our treasury services help businesses optimize cash flow with solutions for accounts payable/receivable automation, payroll processing, and fraud protection. These tools improve financial efficiency through centralized control, electronic payments, and real-time reporting capabilities for better business financial management.
People
Bryan Cain
President & Chief Executive Officer
Bryan Cain leads First National Bank & Trust with extensive banking experience, focusing on community development and strategic growth initiatives while maintaining the institution's tribal ownership values.
Garett Hill
Executive Vice President & Chief Financial Officer
Garett Hill oversees financial operations with expertise in banking finance, ensuring fiscal responsibility and sustainable growth while maintaining regulatory compliance for the organization.
Alicia Wade
Executive Vice President & Chief Operating Officer
Alicia Wade directs daily operations with focus on process optimization, technology implementation, and maintaining the bank's commitment to exceptional customer service standards.
Steve Foskin
Executive Vice President & Chief Lending Officer
Steve Foskin leads lending operations with CPA expertise, developing credit policies and overseeing loan portfolio management to support business and community development goals.
John Robinson
Board Director
John Robinson contributes board leadership with deep understanding of tribal business operations and community development strategies that align with the bank's mission.
Questions
What personal banking services does Sovereign Bank offer?
We provide checking accounts, savings accounts, CDs, personal loans, mortgages, and digital banking tools including mobile apps and online account management.
Does Sovereign Bank offer business banking solutions?
Yes, we offer business checking accounts, commercial loans, treasury management services, and specialized financing options for business owners and entrepreneurs.
How can I access my Sovereign Bank account online?
Use our secure online banking portal or mobile app for 24/7 account access, including bill pay, transfers, check deposit, and transaction monitoring.
What mortgage options are available through Sovereign Bank?
We offer conventional, FHA, VA, rural development, and jumbo loans with competitive rates and personalized support from local mortgage professionals.
Is Sovereign Bank a tribal-owned institution?
Yes, we are the nation's largest tribally-owned bank, committed to community reinvestment and serving both tribal and non-tribal customers.
