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.

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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It turns out, Chris Elliott 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

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.


Crafted with care

Every business meets its own set of challenges and opportunities. Turning one into the other calls for something different every time. No two working solutions are exactly alike, and no two banking relationships are either.

By learning the what and why of your business, we’re better set to help you answer the question of how.

Creating individual works of art to fill large volumes of need lets Jonathan Martin’s team at Black Oak Art shine. His business is very hands-on, and David Brennan approaches commercial banking the same way.
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.

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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