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Life is better when your bank puts your business First.

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Marshall Stewman | Real Estate Developer
Growth creates opportunity.

Marshall Stewman is dedicated to being part of the revitalization of Waco. It’s his purpose, and it’s what brought him back to his hometown. His efforts deserve a bank that’s as dedicated the community as he is.

First National Bank of Central works to understand each project and helps you get the most of every deal.

All our bankers are here working in the community next to you. We know fast answers and local decisions can make a huge difference.

Settle for nothing less than The First.

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Marshall Stewman with banker smiling in warehouse
When Waco real estate developer Marshall Stewman (right) has a new project, he turns to Rachel Pechacek and The First for financing, fast answers and reliable service.

Working Side-by-Side

Steel production is John Embry’s (left) family business. For him it’s more than just work—it’s his legacy. John’s banker, Joe Barrow, understands this and uses that knowledge to serve both the business and the Embry family.
Pioneer Steel & Pipe | Waco, TX

Family-forged success

The relationships we grow become partnerships. That’s why when we say we’re invested in our community’s future and working to help you succeed, we mean it.

For second-generation owner John Embry, that’s meant support and encouragement as well as capital and cash flow for Pioneer Steel & Pipe. It’s meant finer details that turned into more and larger deliveries, part of what Joe Barrow helps hammer out every day.


Key ingredient

Brett Swartz knows a great meal comes from great ingredients. When it comes to running his world-class pizza shop, Slow-Rise Slice House, one of Brett’s key ingredients is his relationship with The First National Bank of Central Texas.

We help businesses like Slow-Rise by taking time to understand the unique challenges you face to help you make the most of every opportunity. We take pride in listening to you, learning how you do what you do, and finding the best ways to support your business as you grow.

Slow Rise Slice House Brett Swartz and Tim Urbanek
It turns out, Tim Urbanek (right) is better at banking than baking. That didn’t stop Brett Swartz from teaching him the secrets of making great pizza.

We’re a bank that works as hard as you.

Every day is full of opportunity. You should have a bank that’s ready to help you seize the ones that make sense for you. We’re committed to giving you quick insights and fast answers. We’re your neighbors. We care about our community, and we know your success matters here.

We’re ready to help you when that next opportunity comes. Settle for nothing less than The First.

Committed to you.

At The First, we’re committed to getting you an answer that fits into your timeline, not someone else’s.

Our Leadership

Joe Barrow

Chairman & CEO

Sloan Kuehl


John Low

Executive Vice President & Loan Officer

Settle for nothing less than The First.
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