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Meet with a Wealth & Trust Advisor and get your financial goal planning questions answered.

Wealth & Retirement Planning

Explore your retirement planning options with us, from 401(k)s to IRAs, tailored to meet your unique needs and goals. Our comprehensive approach ensures your long-term security by understanding your risk comfort, focusing on your goals, and helping you plan and protect your retirement.

Financial Planning

We provide top-tier financial solutions to address the growing complexities of professional fiduciary services and effective portfolio management, all tailored to your personal, family, and business goals. Your team at Extraco Wealth & Trust is dedicated to helping you discover the perfect combination of services and solutions.

Investment Services

Extraco Wealth & Trust knows that choosing a solution that matches your needs is essential to achieving investment success. Our product options include stocks/bonds, mutual funds, exchange-traded funds, annuities, IRA plans, and 401k plans.

Susie Stanley-Jones

Extraco Wealth & Trust delivers personalized wealth management, trust, and estate planning solutions designed to help you grow, protect, and transfer your assets with confidence. Led by industry experts who pair strategic insight with genuine client care, our team is committed to building long-term relationships and guiding you through every stage of your financial journey.

Business Succession Planning

Our Wealth & Trust experts are ready to help with your business needs, such as transfer of ownership, estate planning, asset protection and more.

Wealth & Trust

The financial services professionals at Extraco share a commitment to excellence. Extraco Wealth & Trust offers families premier financial solutions to meet the increasing challenges associated with professional fiduciary services and sound portfolio management.

Wealth & Trust Inquiry

Interested in scheduling a financial planning appointment? Fill out the form below and a Wealth & Trust Advisor will reach out to you shortly. If you are a current customer, please click here to visit

Treasury Management

With our robust range of Treasury Management services, which include Cash Management and Merchant Services, your business is in the right hands with our Treasury Management Consultants.

Personal Loans

Traditional loans can be unsecured or secured by an Extraco CD or Whole Life account, or a title instrument such as a car, boat, or motorcycle. An Extraco Consumer Credit Lender is happy to advise you about which type of loan might best meet your needs.

Find a Treasury Management Consultant

Extraco Banks' Treasury Management Consultants are ready to help your business with any Treasury Management needs, such as Cash Management and Merchant Services.

Treasury Management Inquiry

Extraco Banks provides a robust range of treasury management services, such as cash management and merchant services, that help you maximize earnings as you manage your cash flow.

Treasury Management Services

Extraco is proud to offer expert treasury management services to our Business customers throughout central Texas. Our team is dedicated to understanding your business and helping you operate effectively and efficiently.

Trust Services

Your family's financial future depends on you being prepared. Establishing a living trust provides organization and better control of your assets.

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.

Natalie Hetzel

I'm Natalie, a proud alumna of Texas Woman’s University. With over 25 years of experience in financial services, my journey began as a Finance Specialist in the United States Army. Since 2001, I've been part of the Extraco Wealth and Trust team, finding fulfillment in nurturing enduring client relationships. Outside of work, I've served as a Court Appointed Special Advocate (CASA) for Bell/Coryell counties, advocating for children within the Texas foster care system. My husband Robert and I reside in Temple, where we cherish moments with our three children and indulge in our passion for travel.

Autumn Akins, JD

I'm Autumn Akins, a graduate of Baylor University with a BA and St. Mary’s University School of Law. With 14 years of experience as a licensed attorney, I've spent the last decade serving as a trust officer in the Austin area. My focus lies particularly in estate administration, and I hold the Certified Trust Financial Advisor designation to further enhance my expertise in this field. Outside of my professional endeavors, my husband and I are proud parents to two daughters. We've actively volunteered as a foster family for Austin Boxer Rescue and eagerly anticipate becoming involved in the vibrant community of Waco.

Jake Herndon

I'm Jake Herndon, boasting over 30 years of experience in the fiduciary services industry, specializing in corporate and non-profit retirement plans, estate planning, portfolio management, and personal trusts. A graduate of Abilene Christian University, I've remained actively engaged in community service, serving as a long-time member of the Temple Lions Club, where I've held positions such as club secretary and treasurer. Additionally, I currently serve as treasurer for the Association for Pet Adoption Center and as President of the Greater Temple Belton Foundation. Outside of my professional and volunteer commitments, my wife, Brenda, and I are proud parents to two children, Shayla and Case. We are dedicated members of the Western Hills Church of Christ, where I serve as an elder.

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.

Travis Fanning

I serve as Senior Vice President, Wealth and Trust Officer, bringing more than a decade of experience as a corporate fiduciary and legal professional. I administer a wide range of fiduciary relationships, including charitable trusts, legacy trusts, foundations, and testamentary trusts, guiding families through complex trust and estate matters with clarity and care. I work closely with trust beneficiaries, advisors, and legal counsel to ensure trust provisions are properly executed, regulatory requirements are met, and client objectives are upheld. My responsibilities include trust administration, interpretation of governing documents, specialty asset oversight, coordination of state and federal trust tax filings, and ongoing compliance management. An attorney licensed in both Texas and Colorado, I draw on my legal background to proactively address risk, resolve disputes, and support thoughtful estate planning. I partner closely with clients and their advisors to design and implement long-term strategies that preserve wealth, honor legacy goals, and adapt across generations. I am deeply committed to relationship-based banking and takes pride in serving clients with integrity, responsiveness, and sound judgment.

Cody Ross

I'm Cody Ross, CFP®, a graduate of Baylor University with a BBA in Finance. I've spent years honing my skills in value investing and financial planning. Currently, I am an active member with the Georgetown Chamber of Commerce and serve with Christ Church of Austin. Beyond my professional and service commitments, I'm also a musician, skilled in studio recording and instrument construction. In my free time, I make it a point to regularly attend Baylor University sporting events.

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 95,000 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.

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.

West Adams Branch Coming In September

Extraco Banks is building a new flagship location on West Adams Avenue in Temple, Texas, designed to bring modern banking, personalized service, business support and community connection together in one convenient location.

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.

eBank Reference Guides

Our eBank resource center is equipped with FAQs and video/resource guides to ensure help is always at hand.

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.

Joy King

I’m Joy King. Since graduating from Tarleton University, I’ve spent over a decade in the finance industry, gaining experience in retail and commercial banking. This background has given me a wealth of knowledge and a deep passion for helping clients achieve their homeownership dreams.

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.

John Boyd

With 12 years of experience in the mortgage industry, I’ve developed a comprehensive understanding of home financing and a deep commitment to helping clients achieve their homeownership goals.

Mobile Banking

Easily manage finances from your phone. The Extraco eBank app lets you check your balance, make deposits, pay bills or individuals, and set up alerts – all in a secure and easy-to-use platform.

Gail Bartay

I am Gail Bartay, proud graduate of Texas A & M University with a BBA in Finance. With over three decades of expertise in Commercial Lending, I've honed my skills in advocating for Treasury Management services to benefit my clients. My commitment to community service spans across various organizations, including the Rotary Club of Waco, Midway ISD Education Foundation, Caritas of Waco, and the St. Louis Catholic Church Finance Council, among others. I believe in fostering strong customer relationships grounded in a thorough understanding of their business, financial needs, and priorities.

Glynn Castro

I'm Glynn Castro, a seasoned professional with nearly two decades of experience in commercial lending. Throughout my career, I've established a proven track record of nurturing robust customer relationships to assist businesses and their owners in achieving their financial objectives. My educational background includes a BA in Finance and Management Information Systems from St. Mary's University in San Antonio, Texas, and an MBA in Global Banking and Finance from the Birmingham Business School in England.

Amy Mongillo

I'm Amy Mongillo and I have worked with Extraco Banks for 20 years in various departments throughout the company. Bringing a wealth of knowledge and experience in Customer Service, Retail Banking, Consumer Lending, Commercial Banking and Treasury Management. I am a graduate of Baylor University and have lived in Temple Texas with my family for 20+ years. My passion is working with customers to find efficient solutions for their business. I also enjoy serving my community through various organizations.

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!

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.

Jackie Basile

I'm Jackie Basile, a graduate of Chaminade University in Honolulu, HI, and I joined Extraco Banks in October 2023, bringing twenty-four years of banking experience. With a decade of specialization in Treasury Management, I oversee services in Central Texas-South, focusing on portfolio management and driving growth through effective sales strategies. I excel in crafting customer-centric solutions and providing guidance on liquidity management, while also offering industry training to internal and external stakeholders. Outside of banking, I've served in the United States Navy and remain active in community organizations, including roles with The Rotary Club of Temple, St. Mary Catholic School Trust Fund Board, and Wildflower Guild.

Penny Morgan

I am a dedicated financial professional with more than 10 years of experience helping individuals and families build confidence in their financial futures. My focus has been retirement and personal financial planning, guiding clients through important decisions with clarity, strategy and care.

Stan Giles, CTP

I'm Stan Giles, the Treasury Management Consultant for McLennan, Brazos, and Coryell counties. With a BBA in Finance, I hold key certifications including Certified Treasury Professional, Six Sigma Green Belt, and Level 1 certification in the Texas Public Funds Investment Act. I'm also a graduate of Leadership Waco and Temple. My active involvement in the Greater Waco Chamber of Commerce includes being named the 2021 Ambassador of the Year, highlighting my dedication to local engagement. Outside of work, I enjoy camping with my family, attending First Baptist Woodway, and playing the piano.

Terms and Conditions

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

Extrapreneur Media

Don't just hear it from us! 03.06.2019 Start Up Waco Extraco Big Idea Challenge: Pitch Your Big Idea For a Chance to Win Up To $5,000 04.09.2019 PR Newswire Extraco Banks Launches Applications for

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.

Privacy Policy

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

Reference Guides

Our eBusiness resource center is equipped with FAQs and video/resource guides to ensure help is always at hand.

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.

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.