About First Central Bank

Interestingly, the foundation of First Central Bank was formed in the early 1900s with three separate banks in Furnas County. These three banks merged in 1992 to become First Central Bank with locations in Cambridge, Arapahoe, and Edison. In 1998, First Central Bank McCook was chartered, and in 2006, a Loan Production Office was established in Curtis. The Curtis location became a full-service branch in 2017.

These two bank charters are locally owned by Central Bancshares, Inc. The shareholders of Central Bancshares consist of local farmers, ranchers, business owners, and several past and current employees.

Jason Houghtelling is President and CEO of both First Central Bank (with locations in Arapahoe, Cambridge, and Edison) and First Central Bank McCook (with locations in McCook and Curtis). Gary Thompson serves as Chairman of the Board. Todd Eichenberger and Kristie Warner are the Branch Co-Presidents in Arapahoe, and Tammy Sexton serves as Branch President in Cambridge. Peggy Fritsche is the Branch President in Curtis.

Proven leadership and truly being locally owned has given First Central Bank and First Central Bank McCook the foundation to exceed the expectations of customers, staff, and shareholders. We enjoy the benefits of being located in strong Nebraska communities. We offer innovative products. We take pride in excellent customer service and are blessed to be serving our customers with a superb staff who have a combined banking experience matched by few—if any—other banks. Our commitment: First Central Bank and First Central Bank McCook will exceed all expectations when it comes to your financial needs.