Community Bank & Trust, Waco, Texas: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.90 percentage points lower than in Q1 2026, at 88.74%. Within Texas, Community Bank & Trust, Waco, Texas is 207th of 346 on loan-to-deposit ratio, 67.08% as of Q2 2026, below the middle of the field. Community Bank & Trust, Waco, Texas reported 67.08% on loan-to-deposit ratio for Q2 2026, 13.76 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $377.3M |
| Net loans and leases | $372.5M |
| Loans held for sale | $0 |
| Loans to total assets | 58.14% |
| Loan-to-deposit ratio | 67.08% |
| Net loans to equity capital | 4.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.21% |
| Consumer | 2.80% |
| Credit cards | 0.00% |
| Farm | 0.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.74% |
| Construction concentration (Tier 1 capital + allowance) | 44.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $6.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $368.7M | $532.1M | 20.37% | 17.59% | 2.86% |
| Q4 2023 | $373.5M | $557.4M | 19.49% | 18.05% | 2.95% |
| Q1 2024 | $378.1M | $548.1M | 18.68% | 18.03% | 2.98% |
| Q2 2024 | $388.6M | $558.8M | 21.08% | 18.15% | 2.80% |
| Q3 2024 | $387.5M | $561.5M | 21.07% | 17.30% | 2.89% |
| Q4 2024 | $389.2M | $572.9M | 19.01% | 18.12% | 2.97% |
| Q1 2025 | $381.3M | $565.0M | 19.19% | 16.62% | 3.02% |
| Q2 2025 | $391.6M | $556.9M | 19.71% | 18.04% | 2.93% |
| Q3 2025 | $396.0M | $538.3M | 22.00% | 18.95% | 2.80% |
| Q4 2025 | $391.0M | $555.6M | 22.30% | 17.08% | 2.84% |
| Q1 2026 | $394.1M | $574.8M | 23.35% | 16.89% | 2.76% |
| Q2 2026 | $377.3M | $562.6M | 22.09% | 18.21% | 2.80% |
Community Bank & Trust, Waco, Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank & Trust, Waco, Texas, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank & Trust, Waco, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17108) · FFIEC NIC profile (RSSD 549862)