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Community Bank & Trust, Waco, Texas
Waco, TX · FDIC Certificate #17108 · Chartered 05/1
Total assets
$649.07M
Total deposits
$562.57M
Total equity
$83.98M
Net loans
$372.47M
Branches (offices)
4
Net income (YTD)
$3.59M
Rank: #1,459 of 4,213 U.S. banks by assets · #133 of 346 in Texas. Assets changed 3.2% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 8.80% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 12.94% |
| Tier 1 leverage ratio | 15.45% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.58% |
| Loans to deposits | 66.2% |
| Real estate loans (share of loans) | 78.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $293.31M | 78.7% | |
| Commercial & industrial | $68.73M | 18.5% | |
| Consumer / individual | $10.57M | 2.8% | |
| Construction & development | $48.90M | 13.1% | |
| Agricultural | $84.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $561.46M | $480.45M | $5.13M | $60.10M |
| Jun 2023 | $598.21M | $531.88M | $3.79M | $64.12M |
| Jun 2024 | $630.58M | $558.77M | $2.21M | $69.52M |
| Jun 2025 | $628.78M | $556.91M | $2.88M | $69.56M |
| Jun 2026 | $649.07M | $562.57M | $3.59M | $83.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $562.57M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $562.57M.
Similar-sized banks
Clear Lake Bank And Trust Company ($649.33M) · Reliance Savings Bank ($648.92M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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