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Life is better when your bank puts your business First.

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SLOW RISE SLICE HOUSE | WACO, TX

We love learning how your business works.

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.

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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Slow Rise Slice House Brett Swartz and FNBCT banker Tim Urbanek

SLOW RISE SLICE HOUSE | WACO, TX

It turns out, Tim Urbanek is better at banking than baking. That didn’t stop Brett Swartz from teaching him the secrets of making great pizza.

Working Side-by-Side

PIONEER STEEL & PIPE | WACO, TX

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.

Meet our team +

Marshall Stewman | Real Estate Developer

Growth creates opportunity. That’s a fact developer Marshall Stewman knows well. Teaming up with Rachel Pechacek and The First allowed him to anticipate Waco’s growing need for facilities and construct the right places just in time.

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 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.

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 take that concern off your hands by streamlining your back-office processes, so you can focus on running your business.