Value proposition

Your Leading Independent Bank

Central National Bank was founded in Waco in 1977 as a “neighborhood bank."​ After two decades of growth and poised as Waco’s Leading Independent Bank, Central National Bank expanded into Temple and Austin to serve Central Texans along the I-35 corridor from Waco to Austin. With 40 years of service and approximately $1 billion in assets, our customers still find our friendly employees and exceptional customer service indicative of the same hometown bank atmosphere Central National Bank was founded upon. Add to that an unyielding commitment to embrace technology as the ultimate enhancement to professional expertise and personal service, and you have a truly unique style of relationship banking at every level.

As Central National Bank embarks on its fifth decade of independent banking, we will continue the hard work and commitment that have been instrumental in our quest to become the leading independent bank for Central Texas and beyond, while we realize that our real success is measured in the relationships developed along the way.

Banking, Commercial Banking, Commercial Loans & Lending, Personal Loans, Electronic Banking, Financial Services, Mortgages, Lines of Credit, Merchant Services, Credit Cards, and Remote Deposit Capture