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Find a Mortgage Consultant

Our experienced Mortgage Consultants are ready to help you with your dream home. Our experts are located all over Central Texas and cannot wait to answer your questions.

Resource Center

Explore our resource center! The tools and information you need to succeed, right at your fingertips. Read articles about recents events on our blog, take advantage of our financial calculators, read how-tos and tips in our resource articles, explore our video library and keep up-to-date on events!

Smarter Banking Starts With Digital Safety

Extraco has proudly served Central Texans for over 120 years, building trusted relationships through personal service and responsible banking. Today, we combine that local commitment with modern digital tools designed to help you bank confidently, securely and with ease.

Clover Point of Sales Systems

Clover® is a state-of-the-art business management solution that helps a merchant streamline their business. Extraco Banks provides a variety of Clover® products: Go, Flex, Mini, and Station Duo.

Homebase

Homebase helps small businesses manage employee scheduling, time clocks, payroll, communication, and more in one place.

Alerts & Information

Check here for the most up-to-date information on Extraco Banks branches and operations.

Extrapreneur

Extraco Banks is passionate about catalyzing small business growth & creating an entrepreneurial bridge across our communities. That's why we've created the Extrapreneur Award - to provide Central

Steve Ford

I am Steve Ford, a graduate of Stephen F. Austin with a Bachelor of Business Administration in Finance. Over the past four decades, I've had the privilege of assisting 90,000 consumers with their loan needs. Recognizing that individual financial journeys are multifaceted and extend beyond mere credit scores, I am dedicated to helping you achieve your financial goals. Trust in my local expertise when you require seasoned guidance. Outside of work, I enjoy fishing and engaging in personal investments in the stock market and precious metals.

Terms and Conditions

Extraco Banks is committed to providing customers with an exceptional customer experience, which includes providing various ways to access information.

Rick Clark, JD

I'm Rick Clark and I bring over 20 years of private law practice experience to Extraco, specializing in estates, business, and real estate law. With a BBA in Real Estate from Baylor University and a JD from Texas A&M School of Law, I'm also involved in legal associations like the Real Estate, Probate, and Trust Law Section of the State Bar of Texas, and the Waco-McLennan County Bar Association. I'm admitted to practice law in federal courts in the Western District of Texas. Outside of work, I'm committed to community service, volunteering for Lake Air Little League, contributing to the HOT Workforce Development Board, and previously serving as president of the Hedonia Club of Waco. Waco isn't just where I work—it's home. Living here with my wife, Jill, and our children, Tripp and Jackie, we're active members of the First United Methodist Church, cherishing our community ties.

Mark Browning

I'm Mark Browning, a Texas A&M University graduate with a BBA in Finance and a Certified Trust Financial Advisor accredited by the American Banker’s Association. With over twenty-five years of experience, my expertise lies in trust administration, investments, and management, particularly in non-profit endowments. Previously, I spent a decade assisting families with charitable giving options at a major university foundation. Currently, I contribute to the Somerville I.S.D. Education Foundation and Voices for Children in Bryan, TX, while also chairing the scholarship committee at the Bryan Rotary Club. My wife, Nancy, and I reside in College Station, actively participating in St. Andrews Episcopal Church and enjoying leisure activities such as traveling and attending college sporting events.

Tammy Richards

I'm Tammy Richards, a Baylor University graduate with Summa Cum Laude honors in 1990, holding a B.B.A. in Finance. For over three decades, I've been a dedicated commercial lender in Waco, prioritizing exceptional customer service and fostering meaningful client relationships. I find fulfillment in understanding my clients' businesses and providing valuable insights drawn from my extensive experience. Beyond my professional endeavors, I actively contribute to the community as a member of the United Way Board of Directors and the Greater Waco Chamber of Commerce Board of Directors. Volunteering aside, I enjoy indulging in reading and traveling adventures with my family.

Lisa Shaffer

Lisa is the Quality Control Manager and Trust Officer in the Extraco Banks Wealth & Trust practice. She works with a range of clients, ERISA-qualified and non-qualified, while maintaining processes and procedures within the department.

Nathan Harrell

My name is Nathan Harrell, and I hold a Bachelor of Business Administration (BBA) in Financial Management and a Master of Business Administration (MBA) from Abilene Christian University. I bring experience in commercial credit management, trust and wealth management, consumer banking, and income tax preparation. Currently, I am pursuing the Certified Financial Planner (CFP) certification. I am a proud and active member of the Temple Lions Club and serve as the treasurer of Impact Temple Church. Outside of work, I enjoy spending time with my wife, Sarah, and our two sons, Grayson and Jackson.

Discover® Debit Card

Extraco Banks is committed to helping you protect, understand, and manage your personal information and credit score all in one place. The Discover® Debit Card offers dark web and FICO® credit score monitoring. These features have no impact on your credit score and come at no additional cost. It is that easy!

Privacy Policy

Extraco Banks is committed to protecting the privacy & security of its customers.

Extraco Banks - Weather Updates

With the winter weather affecting Central Texas communities, we want to keep our customers up-to-date with important information related to insurance claims, branch closures and more.

Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Black Knight, Inc. (NYSE:BKI) announced today that Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight’s Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Curbside Delivery Request

Curbside Delivery is now available at our Waco: Bosque, Waco: Downtown, Waco: Midway, Killeen, Temple S. 31st Street, and Belton locations. Get printed statements, new/replacement debit cards, cashier's checks and notaries delivered to your car with the click of a button!

Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight's Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Gerald Popp

I'm Gerald Popp, and I've been fostering strong business relationships between Extraco and the vibrant Central Texas business community since 1991. As a proud Class of '81 Aggie with a Master's Degree obtained in '83, I've had the privilege of serving the Bryan College Station market since 2012. I eagerly anticipate sharing the Extraco approach to cultivating long-term and profitable relationships with you.

John Bush

I'm John Bush, a proud graduate of Texas A&M University, and I've been a resident of Bryan/College Station since 1986. With almost three decades of experience in commercial banking, I am deeply engaged in our local community. Currently, I hold leadership positions with Junior Achievement of the Brazos Valley, the Boys and Girls Clubs of the Brazos Valley, and actively contribute to several other civic and charitable organizations.

Jessica Mitchell

I'm Jessica Mitchell, serving as the Funding & Retention Manager at Extraco. With a focus on Auto Loans, Camper Loans, Credit Life & Disability, and a range of other financial services, I strive to provide personalized financing solutions. At Extraco, our team is dedicated to delivering compassionate service and tailored financial assistance to meet your needs. We look forward to the opportunity to support you in achieving your financing goals.

Keri Hughitt

As a private banker, I have a dynamic background in banking and financial services specializing in client relationship management. I hold a Bachelor of Science in Applied Science with an emphasis in Business Administration (BSAS) and I am currently working toward earning my Certified Financial Planner (CFP) designation.

Tom Creek

I'm Tom Creek, a commercial banker with nearly three decades of experience. I hold a bachelor's degree from West Texas A&M University and a degree from Southwestern Graduate School of Banking. Residing in Gatesville, Texas I am passionate about community growth, I actively participate in organizations like the Salvation Army, Lions Club, Gideons, Central Texas Hospitality House, Meals on Wheels, and church activities.

Ken Krueger

I'm Ken Krueger, a native of Houston, Texas. I earned my BBA in Finance from Texas A&M University and completed the Southwestern Graduate School of Banking at Southern Methodist University. With over 35 years of banking experience in Commercial, Consumer, and Small Business sectors, I bring a wealth of expertise to Extraco Banks. Active in the Bryan/College Station area, I serve on the board of directors for the Brazos Valley Food Bank and participate in community initiatives through my involvement with my church, Rotary Club, and the Chamber of Commerce. I am eager to make a positive impact on the Brazos Valley community for years to come.

Payroll Card

Extraco Banks and Netspend provide a turn key solution that allows companies to save money with a payroll card program. Businesses can achieve 100% direct deposit using this program.

Julie Aluiso

I'm Julie Aluiso. As a mortgage professional, I'm devoted to ensuring you have the best lending experience possible. I earned my Bachelor's in Human Development from The University of Alabama and went on to complete my Master's of Business Administration at the University of Mary-Hardin Baylor. Let's build some dreams together!

Merchant Services

Extraco Banks brings you card processing alternatives that are transparent, competitive and personal in delivering an exceptional buying experience through our Merchant Services products.

Stan Jackson

I'm Stan Jackson, a Texas Tech University graduate with a BBA in Finance. With over three decades of mortgage experience in the Temple-Belton area, I specialize in single-family purchase homes, refinance, construction, and land financing. My extensive expertise ensures tailored solutions to meet your specific needs in the ever-evolving real estate market.

Jim Hagen

I'm Jim Hagen, a seasoned Loan Officer based in Corpus Christi, Texas, with over two decades of experience in the industry. Specializing in VA, FHA Conventional, and various other loan types, I'm well-equipped to assist you with your financing needs. Your satisfaction is my priority, and I'm dedicated to providing comprehensive support in any way possible throughout the loan process.

Keith Meyer

I'm Keith Meyer, specializing in Auto Loans, Camper Loans, Credit Life & Disability, and various other lending services. With over two decades of lending experience, I'm committed to providing personalized financing solutions and compassionate service. When you choose to secure a loan through a reputable community bank like Extraco, you can trust in our dedication to meeting your individual needs with professionalism and care.