B
Community Bank & Trust, Waco, Texas
Waco,  TX
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Community Bank & Trust, Waco, Texas
Waco, TX
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Rating B
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 4.20
Stability Index 7.70
Company Info Community Bank & Trust, Waco, Texas
Waco, TX
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FDIC Number 17108
Phone Number (254) 753-1521
Website www.cbtwaco.bank
Asset Quality Community Bank & Trust, Waco, Texas
Waco, TX
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1-Year Asset Growth 3.23%
5-Year Asset Growth 4.49%
5-Year Charge-Offs to Average Loans 0.44%
Charge-Offs to Average Loans 0.59%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.71%
Non-Performing Loans to Loans 0.04%
Balance Sheet Community Bank & Trust, Waco, Texas
Waco, TX
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Total Assets 649.07M
Total Deposits 562.57M
Capital and Reserves Community Bank & Trust, Waco, Texas
Waco, TX
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Capital 83.98M
Leverage Ratio 15.45
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 27.23
Liquidity Community Bank & Trust, Waco, Texas
Waco, TX
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Hot Money Ratio 28.03%
Liquidity Ratio 44.94%
Profitability Community Bank & Trust, Waco, Texas
Waco, TX
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5-Year Return on Average Assets 0.97%
Net Income 3.59M
Net Interest Spread 3.40%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 70.60%
Return on Assets 1.06%
Return on Equity 8.83%