COMMUNITY BANK & TRUST, WACO, TEXAS

WACO, TX | Medium | Est. May 14, 1952, midnight | FDIC #17108 | RSSD #549862 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK & TRUST, WACO, TEXAS is amn medium FDIC-insured commercial bank headquartered in WACO, TX, established in May 14, 1952, midnight. As of 2025-12-31, the bank reported total assets of $638M and total deposits of $556M. Profitability stands at 0.97% ROA and 7.73% ROE, with a net interest margin of 3.48%. The bank's CET1 capital ratio is 24.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 1.39%. FDIC Certificate #17108.

Assets

$638M

Deposits

$556M

Loans

$391M

Equity

$80M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 7.73%
Net Interest Margin (NIM) 3.48%
Yield on Assets 5.20%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio -0.05%
Texas Ratio 1.39%
NPA Ratio 0.19%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 24.33%
Tier 1 Capital 24.33%
Total Capital Ratio 25.58%
Leverage Ratio 15.52%
Loan-to-Deposit 70.36%

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