FIRST NATIONAL BANK OF SHINER was founded in 1891, one year after Shiner was incorporated as a city. In that year, Confederate Captain and local rancher Charles Welhausen established a private bank for the growing railroad town. In 1900 Captain Charles' private bank became federally chartered as FIRST NATIONAL BANK OF SHINER.

In an area where cotton was "king" and cattle ranching was big, the bank continued to provide financial services to the community despite the decline of the cotton market, droughts and other economic downturns, proving that strong community values and traditional banking have always been and continue to be an integral part of how this bank does business.

In 2001, a Texas Historical Commission marker was placed at the bank to commemorate the history of FIRST NATIONAL BANK OF SHINER.


FIRST NATIONAL BANK OF SHINER is now a member of Industry Bancshares, a holding company established by shareholders from the Industry, Texas community. 

FIRST NATIONAL BANK OF SHINER has grown over the last 115 years to include the following branches:

Cuero ~Cuero National Bank                                 Flatonia ~ Flatonia National Bank

Goliad ~ Goliad National Bank                               Gonzales ~ Gonzales National Bank

With a strong Board of Directors having a vision of a successful community bank, knowledge of banking, and a family of dedicated and experienced employees, FIRST NATIONAL BANK OF SHINER has proven to be a strong financial institution and civic leader. We continue to lead our community and area businesses into the 21st century while holding true to our traditional banking values.

If you wish to learn more about the Shiner, Cuero, Flatonia, Goliad and Gonzales areas and their local businesses, visit: