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Thomas Sinkey

I'm Thomas Sinkey a graduate of Park University with a BS in Management, and Tarleton State University with a Masters of Business Administration. I served in the United States Army as a Military Police Officer for over 20 years. Now, I've been with Extraco Banks for nearly 19 years and have seen serving business owners throughout Central Texas area the entire time. Currently, I serve as the President of the Temple Rotary Club, Secretary of the Temple Rotary Club Foundation, board member of the Temple Education Foundation, the Temple Police Advisory Commission, the Killeen Police Department Law Enforcement Assistance Fund. Beyond my professional and services commitments, I am also an avid golfer and a devoted husband, father, and grandfather. In my free time I enjoy playing in golf tournaments around the area and spending time with my family.

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.

Keith Maxwell

I'm Keith Maxwell, a Texas State University graduate with nearly 40 years of experience in the banking industry, with more than half of my career spent at Extraco Banks. Community service is a cornerstone of my values, reflected in my tenure on the boards of various local Chambers of Commerce, Boy Scouts, Habitat for Humanity, the Fort Hood Chapter of AUSA, and the Fort Hood Regional Economic Development Foundation.

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.

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.

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.

Jason Collier

I am Jason Collier, a native of Belton, Texas, currently residing in Troy with my wife and children on our family farm. My educational journey includes earning a Bachelor's in Business Administration from Howard Payne University, an MBA from Texas A&M Commerce, and completing the Southwestern Graduate School of Banking program. As a third-generation banker, I've been immersed in the industry since 2009, specializing in commercial and agricultural lending since 2011. Alongside my professional endeavors, I actively contribute to Trinity Church, the Temple Area Builders Association, and the Ralph Wilson Youth Club. In my leisure time, I indulge in hunting and enjoy coaching my children's baseball and football teams.

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.

Randy Betancis

Our city is important to me and is why I give my time and resources to help make it better.

Matthew Bond

I'm Matthew Bond and I've been with Extraco since 2009, accumulating nearly two decades of experience in financial services. I earned my Bachelor of Business Administration from Sam Houston State University and completed the Leadership Waco program. Outside of my role at Extraco Banks, I actively serve on various local boards and committees. I cherish spending time outdoors, whether it's fishing, camping, or simply enjoying moments with my family.

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.

Chris Price

Chris has over 15 years of experience managing trust funds and other related accounts. He began his career in the trust department of a large national bank, helped develop a community bank trust department, and managed a small business for his family before joining Extraco in 2017. Chris earned his BBA in Trust and Wealth Management from Campbell University, which offers the only undergraduate degree of its kind in the nation. He also earned an MBA from Campbell, as well as a minor in Financial Planning. Chris and his wife, Marybeth, have three boys, Jesse, Story, and Matthew. Chris serves as an officer on the boards of the Georgetown Area Community Foundation and the Estate Planning Council of Central Texas.

Bank Branch
  • Curbside Delivery
  • Handicapped Access
  • Home Loans Specialists
  • Safe Deposit Box
  • Saturday Hours
  • Spanish Speaking

200 Hewitt Drive
Waco, TX 76712
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:30 pm

Bank Branch
  • Handicapped Access

605 S. University Parks Drive
Waco, TX 76705
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:9:00 am - 5:00 pm

Bank Branch
  • Curbside Delivery
  • Handicapped Access
  • Online Appointment Scheduling
  • Saturday Hours (Drive-Thru Only)

1002 W. Central Texas Expy
Killeen, TX 76541
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

Bank Branch
  • Handicapped Access

100 West Central Texas Expressway
Harker Heights, TX 76548
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

Bank Branch
  • Handicapped Access
  • Safe Deposit Box
  • Spanish Speaking

1208 E. Main Street
Hamilton, TX 76531
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

Bank Branch
  • Handicapped Access

2501 TX-36 Bus
Gatesville, TX 76528
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:30 pm

Mortgage Office
  • Handicapped Access
  • Home Loans Specialists
  • Spanish Speaking

5402 Holly Road, Suite 2102
Corpus Christi, TX 78411
United States

Lobby Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

Bank Branch
  • Handicapped Access
  • Home Loans Specialists

1504 Williams Drive
Georgetown, TX 78628
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 3:00 pm
Drive-Thru Hours
Currently closed
Hours Today:9:00 am - 4:00 pm

Bank Branch
  • Curbside Delivery
  • Handicapped Access

1003 East Highway 190
Copperas Cove, TX 76522
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 3:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

Bank Branch
  • Curbside Delivery
  • Handicapped Access
  • Home Loans Specialists

2706 S. Texas Ave.
Bryan, TX 77802
United States

Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:9:00 am - 4:00 pm

Bank Branch
  • Handicapped Access
  • Spanish Speaking

102 S 1st St
Temple, TX 76501
United States

Lobby Hours
Currently closed
Hours Today:8:00 am - 4:00 pm
Drive-Thru Hours
Currently closed
Hours Today:8:00 am - 5:00 pm

The Role Title Plays When Purchasing a Home

The purpose of the title company is to make sure the title to the home is lawfully given to the buyer. Once the title company has completed its verification, it will support that guarantee with title insurance. Title insurance protects the bank and the owner if someone were to make a claim to the property.

Traditional IRA Calculator

Contributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth. While long term savings in a Roth IRA may produce better after-tax returns, a Traditional IRA may be an excellent alternative if you qualify for the tax deduction.

Mortgage Refinance Calculator

How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.

Mortgage Payoff Calculator

How much interest can you save by increasing your mortgage payment? The mortgage payoff calculator helps you find out.

Home Budget Analysis

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going.

Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.

Bank Jugging: What it is and how you can protect yourself

As long as there are people making money, there will be others who will try to take it from them. While Skimming has been around for a while, the newest forms of theft are Bank Jugging and Card Cracking. You need to be aware of these new schemes so that they don’t happen to you.

6 Steps to Creating a Great Financial Plan

The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.

Are checks really safer than debit cards?

Once you decide to buy something, you then must determine the form of payment you’ll use. Is cash easiest? Will you write a check? Or is your debit card the best way to go? Pros and cons exist for all methods of payment. Many of us decide quickly without thinking through potential fraud or payment protection.