Community Bank & Trust, Waco, Texas
Waco, TX · Cert 17108 · Peer group: banks under $1B in assets in TX (n=208-211) · Community Co. the
State charter, non-member · FDIC · 4 branches
Q2 2026
$649.1MAssets
$377.3MLoans
$562.6MDeposits
$84.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets in TX (rank 32 of 211).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in TX (rank 199 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 118 of 211
Net Interest Margin
3.16%
Rank 165 of 211
Efficiency Ratio
70.60%
Rank 146 of 211
Equity / Assets
12.94%
Rank 53 of 211
Non-interest income vs. expense
Unfavorable gap of $12.7M · efficiency ratio beats 31% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.87% | 1.20% | 1.65% | Beats 44% | 118 / 211 | | |
| Return on Equity | 8.54% | 7.52% | 11.67% | 14.58% | Beats 34% | 140 / 211 | | |
| Net Interest Margin | 3.16% | 3.28% | 3.82% | 4.31% | Beats 22% | 165 / 211 | | |
| Efficiency Ratio | 70.60% | 53.01% | 64.18% | 73.65% | Beats 31% | 146 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.01% | 0.30% | 1.10% | Beats 56% | 92 / 208 | | |
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.01% | 0.06% | Beats 5% | 199 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 25.98% | 11.72% | 14.45% | 19.57% | Beats 85% | 32 / 211 | | |
| Total Risk-Based Capital Ratio | 27.23% | 11.94% | 14.78% | 20.30% | Beats 85% | 31 / 211 | | |
| Equity / Assets | 12.94% | 9.41% | 11.06% | 12.94% | Beats 75% | 53 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.08% | 45.39% | 66.56% | 82.03% | 51st pctl | 101 / 208 | | |
| Loans / Assets | 58.14% | 39.13% | 56.90% | 70.46% | 52nd pctl | 102 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |