First National Bank of Central Texas logo (mobile)

Save up for a rainy day

Building your savings is the first step to a bright future. Our accounts give you all the features you need to build your financial security and put your best foot forward toward your goals.

See Savings Accounts
Enjoy mobile banking freedom.

With the First Mobile app, you can handle your banking in the moment — standing in line, waiting for your coffee, on vacation, anywhere, anytime.

*Cell carrier’s messaging and data rates apply.

See Mobile Banking
FNBCT App Screen One
FNBCT App Screen Two - Transfers
FNBCT App Login screen
FNBCT App Screen - Bill Payments
FNBCT App Screen Login Two

Our mortgages can do more than most.

Buying or building, refinancing or renovating, we’ll help you find the perfect mortgage.

See Mortgage Lending

Start thinking about the long-term today.

Your golden years are built one day at a time. Do you have a plan?

Plan Ahead Now

Personal loans built with life in mind. 

Wherever you’re going, finances shouldn’t hold you back. We’ll help you get there.

See Personal Loans
hidden
Open Your Account

It’s easy to open your new FNBCT checking account, just like banking should be.

Let's Get Started +
Find a Branch or ATM

We’d like to visit with you, and find the best solution to meet your needs.

Find a Location +
Ask Us a Question

We’re available to answer your questions and resolve issues with your account.

Contact Us +

Please be advised that you are leaving the First National Bank of Central Texas website. We do not endorse or control the content of third party websites.