EXPLORE LOAN OPTIONS

Personal Loans.

Whether you are buying a home, refinancing, purchasing a vehicle, or planning a major expense, The First Central National Bank offers local lending support with decisions made close to home.

Locally owned & operated
Decisions made locally
Loans kept and serviced here
Banking on a first-name basis
BUILD YOUR DREAM HOME

Mortgage Loans.

Whether you are buying, building, refinancing, remodeling, or using your home equity, First Central can help you find a mortgage option that fits your needs. Our hometown lenders offer flexible terms, competitive rates, manageable payments, and pre-approvals upon request. Because loans are approved locally, you get answers from people you know and trust.

30-Year Fixed Options

Available for 1–4 family owner-occupied homes.

Farm Loans

Financing options to help your farm.

BROWSE INSTALLMENT LOANS

Installment Loan Options.

Flexible financing options for vehicles, recreational purchases, and debt consolidation.

Auto/Motorcycle

Get behind the wheel with flexible financing for new and used vehicles.

Low Interest Rates.
Flexible repayment terms.
Local Approval.

Camper/RV/Boat

Finance your next adventure with recreational vehicle and watercraft loans.

Low Interest Rates.
Flexible repayment terms.
Local Approval.

Debt Consolidation

Simplify your finances by combining multiple debts into one manageable payment.

Low Interest Rates.
Flexible repayment terms.
Local Approval.
LOAN OFFICERS

Our Lending Team.

Sara C. Thomas
AVP / Sr. Loan Officer

6 Years with FCNB

NMLS ID # 1953569
Wanda K. Everett
Cashier & Loan Officer

34 Years with FCNB

NMLS ID # 1729223
Ryan M. Stradling
Assistant Cashier & Loan Officer

4 Years with FCNB

NMLS ID # 1231273
Ashley N. Shadoan
Assistant Cashier & Loan Officer

6 Years with FCNB

NMLS ID # 2476680
READY WHEN YOU ARE

Start your next
chapter.

Open an account, apply for a loan, or simply stop by and say hello! Our hometown bankers are ready to help you find the right product for your needs!