By your side

Life is better when your bank puts your business First.

Let’s start something special

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.

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Pioneer Steel father and son working together
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

Rachel Pechacek and Marshall Stewman
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.

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.


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.

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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