Community Bank & Trust, Waco, Texas

BankWaco, Texas
www.cbtwaco.bank

Total Assets

$637.6M

Total Deposits

$555.6M

Branches

4

Established

1952

TFS Health Grade

$
C+

78.0 / 100

Average financial health

How we grade

Community Bank & Trust, Waco, Texas is a bank headquartered in Waco, Texas, established in 1952. With $637.6M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (78.0/100).

Capital & Safety

Tier 1 Capital Ratio
15.52%(8%)
Total Capital Ratio
25.58%(10%)
Non-Performing Loan Ratio
0.31%

Profitability

Return on Assets (ROA)
0.94%(1%)
Return on Equity (ROE)
8.05%(10%)
Net Interest Margin
3.31%
Efficiency Ratio
69.45%(60%)

Lending & Liquidity

Total Loans
$391.0M
Loan-to-Deposit Ratio
69.33%
Net Charge-Off Ratio
-0.05%

Growth

Asset Growth (YoY)
-0.99%
Deposit Growth (YoY)
-3.01%
Net Income
$5.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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