Community Bank & Trust, Waco, Texas
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Data as of · sourced from FFIEC call reports. How we update
Community Bank & Trust, Waco, Texas is an FDIC-insured commercial bank headquartered in Waco, TX, established in 1952 (FDIC certificate 17108), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $649.1M, up 3.2% from Q2 2025, the 133rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 25.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17108
- Headquarters
- Waco, TX
- Established
- 1952
- Total assets, Q2 2026
- $649.1M
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 25.98%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111900594
- Holding company
- COMMUNITY COMPANY, THE
- Asset rank in state
- 133rd of 346 in Texas
Community Bank & Trust, Waco, Texas, based in Waco, Texas, reported $649 million in assets at June 30, 2026, up 3.2% from a year earlier. It shrank its loan book 3.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also holds common equity equal to 25.98% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.21% of loans from 1.08%. Its $69 million commercial and industrial book is now fully current, after 5.85% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Community Bank & Trust, Waco, Texas reported a CET1 capital ratio of 25.98%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.88%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Community Bank & Trust, Waco, Texas is the 133rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $649.1M, loans fell 4.2% and deposits fell 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.2% of total loans, followed by commercial and industrial loans at 18.2%. Its 4 offices in the FDIC Summary of Deposits are in Waco, TX. By the capital ratios in its Q2 2026 call report, Community Bank & Trust, Waco, Texas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1800 Washington Ave, Waco, TX 76701
- County
- Mclennan
- Metro Area
- Waco, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 14, 1952
- Former names
- Community Bank (1985-1996)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $562.6M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $682.2M
- Average total loans
- $376.9M
- Average interest-bearing deposits
- $418.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 14, 1952
- FDIC Cert
- 17108
- Fed RSSD
- 549862
- SEC CIK
- 1412826 → filed by COMMUNITY COMPANY, THE
- Website
- www.cbtwaco.bank →
- Parent Holding Company
- COMMUNITY COMPANY, THE (RSSD 1102200)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Bank & Trust, Waco, Texas's total assets ran between $602.7M (Q3 2023) and $658.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$649.1M total assets against $628.8M; $565.1M total liabilities against $559.2M.
$372.5M net loans and leases against $386.4M; $562.6M total deposits against $556.9M.
$200.6M securities against $194.3M; $54.0M cash and balances due against $24.7M.
$8.0M total interest income against $7.8M; $2.6M total interest expense against $2.8M.
$5.4M net interest income against $5.0M.
$2.1M total noninterest income against $2.0M; $5.4M total noninterest expense against $4.7M.
$150K provision for credit losses against $525K.
$1.7M net income against $1.6M.
0.98% return on assets against 0.94%; 3.34% net interest margin against 3.17%.
25.98% CET1 capital ratio against 23.42%; 15.45% tier 1 leverage ratio against 14.82%.
Inside the full Community Bank & Trust, Waco, Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank & Trust, Waco, Texas rankings
Its closest position to the top of a national ranking is 133 of 2,134, for CET1 ratio; its furthest is 2,781 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q4 2024) to 1.15% (Q1 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.42% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.98% | 0.98% | 0.21% | 0.88% | 3.34% |
| Q1 2026 | 24.39% | 1.15% | 0.34% | 1.56% | 3.42% |
| Q4 2025 | 24.33% | 0.93% | 0.31% | 1.39% | 3.27% |
| Q3 2025 | 24.37% | 0.93% | 1.06% | 5.02% | 3.38% |
| Q2 2025 | 23.42% | 0.94% | 1.08% | 5.66% | 3.17% |
| Q1 2025 | 23.83% | 0.78% | 1.09% | 5.91% | 3.06% |
| Q4 2024 | 22.55% | 0.37% | 1.14% | 6.52% | 3.00% |
| Q3 2024 | 22.88% | 0.79% | 1.83% | 8.70% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank & Trust, Waco, Texas (main office) | Waco , TX | 76701 | $313.8M |
| Waco Branch | Waco , TX | 76710 | $132.8M |
| Chapel Road Branch | Waco , TX | 76712 | $115.9M |
| Lake Success Branch | Waco , TX | 76710 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 175 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 101 loans originated, $24.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank & Trust, Waco, Texas
What are Community Bank & Trust, Waco, Texas's total assets?
As of the Q2 2026 filing, Community Bank & Trust, Waco, Texas reported total assets of $649.1 million in its FFIEC call report.
Where is Community Bank & Trust, Waco, Texas headquartered?
It is headquartered in Waco, TX, United States.
When was Community Bank & Trust, Waco, Texas founded?
It was established in 1952, per the FDIC institution directory.
Is Community Bank & Trust, Waco, Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank & Trust, Waco, Texas?
Community Bank & Trust, Waco, Texas's primary federal regulator is the FDIC.
What is Community Bank & Trust, Waco, Texas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank & Trust, Waco, Texas operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank & Trust, Waco, Texas's Texas Ratio?
Its Texas Ratio is 0.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Community Bank & Trust, Waco, Texas previously called?
The charter now named Community Bank & Trust, Waco, Texas has also operated as Community Bank (1985-1996), per FDIC structure-change records.
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