Sign in to online banking
Smart. Simple. Secure. Take control of your money.
By your side
Life is better when your bank puts your business First.
Let’s start something special
PIONEER STEEL & PIPE | WACO, TX
We love learning how your business works.
The relationships we grow become partnerships. We’re invested in our community’s future and working to help you succeed.
John Embry is a second generation business owner. Pioneer Steel & Pipe was founded by his father, and now John works with his son. For the Embry family, it’s not just work. It’s a legacy. Banking this important investment means more than capital and cash flow. It means keeping an eye on the fine details as much as the big picture.
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.
See Business Banking +
PIONEER STEEL & PIPE | WACO, TX
Pioneer Steel & Pipe is (left) John Embry’s family business. Each day he goes to work with his son Braden—the company’s third generation. The Embrys trust The First National Bank of Central Texas because we understand Pioneer Steel & Pipe is more than a business. It’s their legacy.
Working Side-by-Side
MARSHALL STEWMAN | REAL ESTATE DEVELOPER
When Waco real estate developer Marshall Stewman (left) has a new project, he turns to Rachel Pechacek and The First for financing, fast answers and reliable service.
MARSHALL STEWMAN | REAL ESTATE DEVELOPER
Revitalizing the Community
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.
WHAT WE OFFER
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 opportunities 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.
Commercial Real Estate & Construction
We know you’re building with a purpose, and the clock is always running. We use our local expertise and guidance to help you get the space you need to grow your business.
Cash Flow & Working Capital
Whether you need to meet payroll, seize an unforeseen opportunity or back a new initiative, our commercial lenders are here to understand your needs and find the right solution to meet them.
Equipment Loans
We know that getting the equipment you need may require more capital. At The First National Bank of Central Texas, we’re committed to helping you get what you need to move your business forward.
Treasury Management & Merchant Services
Handling your cash flow should never be a worry. We help take that concern off your hands by streamlining your back-office processes, so you can focus on running your business.
Committed to you.
At The First, we’re committed to getting you an answer that fits into your timeline, not someone else’s.
David Brennan
Senior Vice President
Banking Center President
Woodway-Hewitt Banking Center
254-761-6043Sam Brown
Senior Vice President
Business Development Officer
Woodway-Hewitt Banking Center
254-761-6007Nathali Cooper
Assistant Vice President
Customer Experience Manager
Waco Banking Center
254-761-6182Raquelle Hurst
Assistant Vice President
Lending Assistant
College Station Banking Center
979-315-6112Our Leadership
Joe Barrow
Chairman & CEO
Sloan Kuehl
President
John Low
Executive Vice President & Loan Officer
Settle for nothing less than The First.
Contact Us +