Community Bank & Trust, Waco, Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2450.04 percentage points in Q2 2026, from 435.76% to 2885.80%. It was the largest change from Q1 2026 among the key lines here. Community Bank & Trust, Waco, Texas ranks 270th of 345 Texas banks on return on assets, in the lower half at 0.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank & Trust, Waco, Texas sits 0.28 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.98% |
| Tier 1 risk-based capital ratio | 25.98% |
| Total risk-based capital ratio | 27.23% |
| Tier 1 leverage ratio | 15.45% |
| Equity capital to assets | 12.94% |
| Tangible equity to tangible assets | 12.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 1.20% |
| Texas ratio | 0.88% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 2885.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 8.09% |
| Net interest margin | 3.34% |
| Efficiency ratio | 70.46% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.08% |
| Core deposits to total deposits | 79.79% |
| Brokered deposits to total deposits | 6.68% |
| Deposits to assets | 86.67% |
| Securities to assets | 30.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.75% | 22.75% | 24.00% | 14.42% | 0.70% |
| Q4 2023 | 22.49% | 22.49% | 23.74% | 14.01% | 0.42% |
| Q1 2024 | 22.64% | 22.64% | 23.90% | 14.32% | 0.66% |
| Q2 2024 | 22.44% | 22.44% | 23.69% | 14.51% | 0.69% |
| Q3 2024 | 22.88% | 22.88% | 24.13% | 14.60% | 0.79% |
| Q4 2024 | 22.55% | 22.55% | 23.62% | 14.30% | 0.37% |
| Q1 2025 | 23.83% | 23.83% | 25.08% | 14.62% | 0.78% |
| Q2 2025 | 23.42% | 23.42% | 24.68% | 14.82% | 0.94% |
| Q3 2025 | 24.37% | 24.37% | 25.62% | 15.32% | 0.93% |
| Q4 2025 | 24.33% | 24.33% | 25.58% | 15.52% | 0.93% |
| Q1 2026 | 24.39% | 24.39% | 25.65% | 15.44% | 1.15% |
| Q2 2026 | 25.98% | 25.98% | 27.23% | 15.45% | 0.98% |
Community Bank & Trust, Waco, Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank & Trust, Waco, Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)