Community Bank & Trust, Waco, Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank & Trust, Waco, Texas of Waco, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.34% | -0.36% | 32nd below |
| ROAE | 8.09% | 13.32% | -5.23% | 26th below |
| Net Interest Margin | 3.34% | 3.93% | -0.59% | 21st bottom |
| Efficiency Ratio | 70.46% | 61.13% | +9.33% | 27th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 20th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 82nd top |
| NCO / Avg Loans | 1.20% | 0.16% | +1.04% | 3rd bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 2885.80% | 1537.75% | +1348.05% | — |
| Texas Ratio | 0.88% | 7.34% | -6.46% | 74th above |
| Provision / NCO | 26.48% | 1396.80% | -1370.32% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.98% | 19.49% | +6.49% | 90th top |
| Tier 1 Ratio | 25.98% | 19.53% | +6.45% | 90th top |
| Total Capital Ratio | 27.23% | 20.61% | +6.62% | 90th top |
| Leverage Ratio | 15.45% | 12.14% | +3.31% | 88th top |
| Equity / Assets | 12.94% | 11.37% | +1.57% | 78th top |
| TCE / Tangible Assets | 12.94% | 11.09% | +1.85% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.08% | 80.65% | -13.57% | 75th top |
| Core Deposit Ratio | 79.79% | 86.86% | -7.07% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.23% | 6.85% | -3.62% | 41st below |
| Loan Growth (Y/Y) | -3.65% | 7.91% | -11.56% | 10th bottom |
| Deposit Growth (Y/Y) | 1.02% | 6.29% | -5.27% | 29th below |
See Community Bank & Trust, Waco, Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank & Trust, Waco, Texas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank & Trust, Waco, Texas profile, how to read a UBPR, or how this data updates.