Familiar Faces

Familiar faces making local decisions

You can expect great service with our friendly, experienced staff members ready to serve you.
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Farm & Ranch Lending

Lending the way it should be, locally

Competitive loans for farm and ranch, agricultural, home, auto, business and more.
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Personal Banking

Achieve more with personal banking

Online & mobile banking, free checking accounts, interest bearing, CDs & IRAs.
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Commercial Banking

Local business banking done right

Solutions for any size business. Merchant cards, mobile processing, remote deposit.
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Whatever your goals are, we want to help you reach them.


At The First National Bank of Central Texas we offer a selection of products designed to help you maximize your personal and business finances. Whether you want to save money for your child’s future, grow your retirement, buy a home, or open a commercial account – we’d like to visit with you and find the best solution to meet your needs.