Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs American Bank, National Association
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | American Bank, National Association |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 64 | 85 (stronger) |
| Funding & liquidity | 91 (stronger) | 46 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 68th |
| Total assets | $649.1M | $625.2M |
| Deposits / shares | $562.6M | $557.1M |
| Capital ratio | 15.45% (stronger) | 10.86% |
| Problem loans | 0.21% | 0.01% (stronger) |
| Net charge-offs | 0.58% | -0.00% (stronger) |
| Return on assets | 1.11% | 1.63% (stronger) |
| Loans ÷ deposits | 66.2% (stronger) | 86.3% |
| Uninsured deposits | 17.6% (stronger) | 39.6% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 2.9% |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 4 and American Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.