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Smart Money Tips: How to Start Investing Today

Stocks, bonds, and real estate are a few of the many ways to invest your money. Yet, if you’re new to investing, where and how do you start? It’s a question that begs an answer. The problem is, you’ll always get a different answer, depending on who you ask.

Extraco Banks® to Sell Downtown Temple Financial Center and Build New Branch

Today, Extraco Banks® closed on the sale of its downtown Temple financial center to Austin investors, Redeem Investments, who plan to renovate the 10-story building that makes up part of the iconic Temple skyline. Extraco will build a new financial center across the street where its current motor bank is located today.

New Extraco Parking Plaza Is Now Open In Temple

The City of Temple is proud to announce the official opening of the Extraco Parking Plaza located at 1st Street in downtown Temple. The Extraco Parking Plaza is a brand new, state-of-the-art facility, set to provide convenient and secure parking options for residents, downtown employees, and visitors.

Dorm Room on a Dime: How to Get the Look for Less

When you are budget-savvy and looking for stylish living solutions, finding the look for less is top of the to-do list. That’s why we’re digging in to offer hacks and solutions that won’t break the bank.

Extraco Banks® Begins Construction on New Downtown Temple Branch

Extraco Banks® announced on June 23, 2023, it will begin construction on its new Downtown Temple branch on July 10, 2023. The 2,400 square foot branch will have video teller technology, four drive through lanes and an outdoor seating area between the new bank building and Treno Pizzeria.

When Is it Time to Increase Your Team?

Growing your team can be nerve-wracking and exciting bundled together. On the one hand, it means you’re hitting important milestones and expanding your business. Yet, it also means you need to grow your team and perhaps even hire new types of talent to accommodate your increasing need. Finding the sweet spot and knowing when to hire and when to hold off is key. Thankfully, there are a few simple ways to tell when it’s time to increase your team.

Tax Refunds: Frequently Asked Questions

At the beginning of each year, you’ll start to receive tax information in the mail. After using these forms to file your taxes, you might expect a tax refund. While you can choose to have it deposited to your bank account, the IRS controls the entire processing and transaction process.

118 Years Strong

Read our Extraco Week recap blog highlighting the festitivies we had across our branches to celebrate 118 years in business!

Settling Financial Matters When a Loved One Passes

During the loss of a loved one, it can be hard to think straight and know how to unravel your loved one’s finances once he/she passes. It can feel overwhelming trying to deal with all the details. We've compiled a checklist of the typical duties of an executor when settling an estate.

Financial Tips for Recent Graduates

Congratulations, graduates! As you transition into this new phase of life, managing your finances effectively is key to achieving your goals. Whether you're preparing to enter the workforce, further your education, or pursue other endeavors, now is the perfect time to focus on your financial well-being. Let's explore some essential tips for navigating financial success after graduation.

Extraco Banks Announces Leadership Transition in Waco Commercial Lending Division

Extraco Banks proudly announces the retirement of long-time executive Mark Reynolds, Regional President of Commercial Lending for the North Region, after 28 years of dedicated service. As part of a strategic leadership transition, Tammy Richards has been named as his successor, continuing the bank’s strong legacy of relationship-driven commercial banking.

ICYMI– Bank & Brews Waco | A Deep Dive into Google Analytics

After wrapping up a three-part series around the Startup Waco and Public Improvement District Marketing Skills Toolkit, we thought it was time to take a deep dive into some of the essential tools that all businesses should be utilizing. For our June Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be an essential, and often underutilized, tool for all businesses– Google Analytics. 

ICYMI: November Bank & Brews | Digital Marketing 101

The November edition of our Bank & Brews virtual workshop series was all about Digital Marketing in the era of COVID-19 and beyond. The workshop was led by Gordon Law, President of Swimming Duck, a marketing agency based out of Dallas. Gordon is also a professor at SMU where he teaches marketing and digital media. He has over 40 years of marketing and advertising experience and is a great friend of Extraco Banks. We were thrilled to have him lead our final virtual workshop of 2020. 

Tips on How Student Loan Forgiveness and Refinancing Works

With a federal student loan moratorium scheduled to expire soon and more talk about student loan forgiveness, now is a great time to decide how to proceed if you carry student loan debt. The weight of any student loan, especially a large one, can feel like a drag, but it doesn’t have to end that way. There are ways to reduce your loan term, lower your interest, or lower your monthly payment. You might even eliminate all or part of your student loan. However, knowing the difference between student loan forgiveness and refinancing is vital before beginning.

Your Complete Moving Checklist

There is so much to do when you’re getting ready to move — especially if you’re moving to a new city. This checklist won’t reduce your to-do list, but it can make it easier to avoid forgetting important tasks.

Reviewing Loan Applications

When you apply for a loan at Extraco, we review your application information to help determine your credit worthiness. Key considerations: 1. Your credit score tells us your past performance in meeting your financial obligations. 2. Your credit report shows stability as well as borrowing behaviors.

What the One Big Beautiful Bill Act Means for You

In July of 2025, the federal government signed into law the One Big Beautiful Bill Act—a sweeping piece of legislation that reshapes the tax landscape for individuals, families and business owners alike. Whether you're an investor, a retiree or a business owner, this new law carries implications for your financial strategy.

Extraco Banks Purchases Building for New Gatesville Location

Extraco Banks purchased the former Texas First State Bank location in Gatesville at 2501 Texas 36 with the intention of moving its Gatesville banking operation to this site in late fall 2023. Previously, Extraco had purchased land located along US Hwy 84 with the intention of building a new branch.

The Difference Between Cash Flow and Profit

Cash coming into your business and the actual profit you make are two very different things, and almost always never total up as identical amounts. Read more to learn the difference between cash flow and profit.

Is It Time to Refinance Your Auto Loan? Key Factors to Consider

Refinancing your auto loan can help you save money, lower your monthly payments, or pay off your car faster—but timing is everything. This blog breaks down the key factors to consider, including interest rates, credit score improvements and loan balance. Learn when refinancing makes sense, when it doesn’t, and how to determine if it’s the right move for you.

Halloween On A Budget

In this blog post, we'll unveil some thrifty and budget-friendly tricks to make this Halloween a spooky success without draining your wallet.

Managing seasonal demand

Managing seasonal demand. Extraco Banks is committed to building businesses throughout Central Texas. Whether you're a startup or looking to create a succession plan for your business, we have the resources to help you achieve your business goals.

Five Ways to Ring in National Financial Planning Month

October marks the beginning of a financial journey towards the holiday season. As we celebrate National Financial Planning Month, it's the perfect time to embrace the spirit of saving and planning for the festive months ahead.

Vacation planning: Steps to make sure you’ve got a budget and a plan for this year’s vacation

Summer has finally arrived, and if you haven’t done so yet, it’s time to think about how to spend your 2022 summer vacation. The good news is that many governments and businesses have lifted pandemic restrictions. However, in their wake, we’re now facing higher prices at the pump, the stores, and everywhere else. Yet, with a few simple tips, you can still plan an enjoyable vacation while sticking to a budget.

Ten Steps to Financial Wellness for Women

This comprehensive checklist covers key areas and provides a roadmap for women to manage finances effectively. Each step contributes to building a strong financial foundation, fostering empowerment, and securing a stable future.

How to Shop Local for Fun and Unique Gifts

Finding the right gift, especially for someone who has virtually everything, is challenging. While you could do a web search to find gift ideas, why not take another approach by supporting your local businesses and finding something unique?