Story & Mission

Our Story.  Four decades of relationships.

Central National Bank's Joe Nesbitt applies window caulking during a Waco Habitat for Humanity build.

Central National Bank’s Joe Nesbitt applies window caulking during a Waco Habitat for Humanity build.

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 35 years of service and over $600 million 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 fourth 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.

At Central National Bank, our mission is threefold:

  1. Provide service in a manner that customers recognize to be superior to service provided by our competitors.
  2. Provide opportunity for all CNB employees to be the best they can be. Maintain a comfortable work environment, an attitude of mutual support, and opportunity for advancement.
  3. Be efficient in the way we work. Find easier, faster ways to do our work, avoid waste to keep our rates and fees fair for our customers, and provide a fair return to our shareholders.

Statement of Condition