Community Bank & Trust, Waco, Texas
Waco, TX
IDRSSD: 549862
Total Assets
$637.60M
Latest filing
Total Deposits
$555.64M
Latest filing
Net Interest Margin
3.35%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Community Bank & Trust, Waco, Texas
1800 Washington Ave
Waco, TX 76701
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/14/1952FDIC Certificate 11153
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community Bank & Trust, Waco, Texas (Main) | 1800 Washington Ave | Waco, TX |
| WACO BRANCH | 1409 Wooded Acres Dr | Waco, TX |
| CHAPEL ROAD BRANCH | 8820 Chapel Rd | Waco, TX |
| LAKE SUCCESS BRANCH | 1711 Lake Success Dr | Waco, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/14/1952 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76701 |
| State and County Number | 48309 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 111 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/14/1952 |
| Primary Insurance Agency | DIF |
| Website | www.cbtwaco.bank |
| Data Updated | 01/30/2026 |
| CERT | 17108 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $637.60M |
| Total Deposits | $555.64M |
| Total Liabilities | $557.49M |
| Total Equity Capital | $80.10M |
| Net Income | $1.52M |
| Net Loans and Leases | $385.25M |
| Assets Per Employee ($Millions) | $5.9M |
| Bank Premises and Fixed Assets | $4.42M |
| Cash and Balances due from Depository Institutions | $34.53M |
| Deposits Held in Domestic Offices | $555.64M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 7.73% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 72.5% |
| Tier 1 Risk-Based Capital Ratio | 24.331% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.563% |
| Earning Assets to total Assets | 95.68% |
Income and Expense
| Total Interest Income | $7.51M |
| Total Noninterest Income | $2.16M |
| Total Interest Expense | $2.48M |
| Total Noninterest Expense | $5.21M |
| Net Interest Income | $5.03M |
| Pre-tax Net Operating Income | $1.83M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.85M |
| Total Liabilities and Capital | $637.60M |
Securities
| Securities | $195.97M |
| Available-for-sale debt securities | $195.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community Bank & Trust, Waco, Texas?
$637.60M as of the latest filing.
How much are Community Bank & Trust, Waco, Texas's total deposits?
$555.64M in total deposits.
Where is Community Bank & Trust, Waco, Texas located?
Waco, TX.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
4.
When was it established?
05/14/1952.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$385.25M (latest filing).
What is the total interest income (latest filing)?
$7.51M.