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Community Bank And Trust Waco Texas

IDRSSD: 549862
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #549862 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.29% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +7
78
Sub-score

Liquidity is stable: brokered 15.2%, loans/deposits 66.0%, cash 4.7% of assets.

Cash / Assets
4.66%
Loans / Deposits
66.02%
Brokered %
15.25%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.49%, CET1 22.49%, leverage 14.01%.

Tier 1 RBC
22.49%
CET1
22.49%
Leverage
14.01%
No watch items at this period.

Asset Quality

StableQoQ -28
72
Sub-score

Asset quality is stable: Adjusted NPL 1.85%, Texas Ratio 6.9%, NCO YTD 2.29%.

Adjusted NPL
1.85%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
2.29%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.29% of loans.

Reserves

Stable
64
Sub-score

Reserves are stable: ALLL 1.48% of loans, coverage 81.3%, true coverage 81.3%.

ALLL / Loans
1.48%
Coverage
81.3%
True Loss Coverage
81.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 16:45:31 UTC