TellerScore

Headquartered in Waco, Texas, Community Bank & Trust, Waco, Texas is a state-chartered bank with $649.1M in total assets and $562.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1952.

Community Bank & Trust, Waco, Texas has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 16th. Capital cushion contributes the most (100/100, 15.45%); earnings contributes the least (64/100, 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.45%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 66.2% · 17.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (79 → 90), mostly because the loan quality component improved by 29 points.

TellerScore
708090Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202475
Q1 202578
Q2 202579
Q3 202579
Q4 202587
Q1 202689
Q2 202690
Tier 1 leverage ratio
5.00%10.26%15.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202414.51%
Q3 202414.60%
Q4 202414.30%
Q1 202514.62%
Q2 202514.82%
Q3 202515.32%
Q4 202515.52%
Q1 202615.44%
Q2 202615.45%
Noncurrent loans
0.21%1.02%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.73%
Q3 20241.83%
Q4 20241.14%
Q1 20251.09%
Q2 20251.08%
Q3 20251.06%
Q4 20250.31%
Q1 20260.34%
Q2 20260.21%
Return on assets
0.65%0.92%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.71%
Q3 20240.74%
Q4 20240.65%
Q1 20250.81%
Q2 20250.90%
Q3 20250.93%
Q4 20250.94%
Q1 20261.19%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$649.1M15.45%0.21%1.11%66.2%
Q1 202689$658.3M15.44%0.34%1.19%67.5%
Q4 202587$637.6M15.52%0.31%0.94%69.3%
Q3 202579$619.1M15.32%1.06%0.93%72.5%
Q2 202579$628.8M14.82%1.08%0.90%69.4%
Q1 202578$639.0M14.62%1.09%0.81%66.6%
Q4 202475$644.0M14.30%1.14%0.65%67.2%
Q3 202471$639.8M14.60%1.83%0.74%67.9%
Q2 202470$630.6M14.51%1.73%0.71%68.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.45%
89th
Total risk-based capital27.23%
95th
Problem loans0.21%
64th
Net charge-offs0.58%
4th
Return on assets1.11%
41st
Net interest margin3.48%
27th
Efficiency ratio70.6%
29th
Loans to deposits66.2%
75th
Uninsured deposits17.6%
73rd
Loan-loss reserves1.29%
62nd
Texas ratio0.9%
71st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs
Worthington BankBank Arlington, TX67 out of 100, Moderate$655.4M9.3%0.16%vs
Classic Bank, National AssociationBank Cameron, TX68 out of 100, Moderate$657.5M11.6%1.26%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs
Wellington State BankBank Wellington, TX43 out of 100, Below average$659.7M9.5%5.27%vs
American State BankBank Arp, TX44 out of 100, Below average$637.8M10.9%2.03%vs

Deposit insurance

Is my money safe at Community Bank & Trust, Waco, Texas?

Yes. Community Bank & Trust, Waco, Texas is an FDIC-insured institution (FDIC certificate #17108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($99.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.23% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Community Bank & Trust, Waco, Texas lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank & Trust, Waco, Texas reported 167 home-loan applications under HMDA (LEI 25490070QB5LWJ9JID79): 112 originated ($28,700,000 total), 22 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Bank & Trust, Waco, Texas
Former names
The Community State Bank; Community Bank
Type
State-chartered bank
FDIC certificate #
17108
RSSD ID
549862
Primary regulator
FDIC
Holding company
Community Co the
Established
May 14, 1952
Headquarters
1800 Washington Ave, Waco, TX 76701
Employees
109

Quick answers

Community Bank & Trust, Waco, Texas: common questions

Is Community Bank & Trust, Waco, Texas FDIC insured?

Yes. Community Bank & Trust, Waco, Texas is an FDIC-insured institution (FDIC certificate #17108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank & Trust, Waco, Texas's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank & Trust, Waco, Texas ever failed?

There is no failure record for FDIC certificate #17108 in the FDIC failed bank list.

How many branches does Community Bank & Trust, Waco, Texas have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs