Helping you and your business grow.
As a locally-owned, independent bank, we have a vested interest in helping local businesses grow and prosper. At Central National Bank, we offer a wide range of commercial lending solutions. With capabilities to support both small and large business needs, we finance everything from an equipment purchase to a multi-million dollar acquisition.
We offer tailored services with local decision making, giving you results like timely loan approval and processing of your loan request.

Real Estate & Commercial Lending
dsmith@cnbwaco.com
(254) 399-7215
NMLS# 476808
Real Estate & Commercial Lending
msmith@cnbwaco.com
(254) 399-7286
NMLS# 1046561
LinkedIn | Twitter
Real Estate & Commercial Lending
chaferkamp@cnbwaco.com
254.399.7212
NMLS# 476802
Real Estate & Commercial Lending
drollins@cnbwaco.com
254.399.7237
NMLS# 476806
Real Estate & Commercial Lending
mrieger@cnbwaco.com
254.399.7206
NMLS# 476805
LinkedIn | Twitter
Real Estate & Commercial Lending
mbenning@cnbwaco.com
254.399.7252
Lines of Credit
Central National Bank offers revolving lines of credit designed to provide operating capital for growing businesses. When a business is growing, accounts receivable and inventory levels also increase, resulting in the need for financing.
Term Loans
Central National Bank has a term loan to fit your business needs. If you are expanding, need to purchase equipment, or just need extra operating funds, we offer both secured and unsecured loans with fast, local approval and convenient payment terms.
Letters of Credit
Letters of Credit are sometimes necessary to guarantee payment to vendors, government, or other entities. This is a viable alternative to insurance bonding at a reduced cost. Let us assist you when this financing need arises.
Commercial Real Estate Loans
We offer loans to buy, build, improve or refinance your commercial property. We can also finance your land acquisition for future expansion.