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Community Bank & Trust, Waco, Texas

Waco, TX · Cert 17108 · Community Co. the

State charter, non-member · FDIC · 4 branches

Q2 2026

$649.1MAssets
$377.3MLoans
$562.6MDeposits
$84.0MEquity
Loan mix
80%RE $312.0M17%C&I $66.5M3%Consumer $10.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $412.9M27%Noninterest $149.6MQ2 2025Q2 2026

NIM

4.34%Q2 ’244.58%Q2 ’254.67%Q2 ’26+7%+8%

Non-interest income vs. expense

2.71%Q2 ’242.82%Q2 ’253.14%Q2 ’26-1%+14%

Market Position · Waco, TX · 2026 SOD (annual) · 6.3% share · #6 of 28 inst. · $0.6B of $8.9B

Executive Summary

  • Earnings: ROA of 1.11%, up 20 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.21% of loans (-87 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 15.45%, up 63 bps from a year ago.
  • Funding: loans stand at 67.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+25 bps YoY

Efficiency Ratio (YTD, annualized)

70.60%+189 bps YoY

Tier 1 Leverage Ratio

15.45%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.93%0.94%1.19%1.11%+20 bps
Return on Equity8.19%8.15%8.05%9.58%8.80%+61 bps
Net Interest Margin2.91%3.03%3.05%3.23%3.16%+25 bps
Efficiency Ratio68.71%68.41%69.46%69.16%70.60%+189 bps
Non-Interest Burden1.63%1.70%1.74%1.82%1.86%+23 bps
Growth
Asset Growth (YoY)-0.28%-3.23%-0.99%3.02%3.23%+351 bps
Loan Growth (YoY)0.79%2.20%0.46%3.37%-3.65%-444 bps
Deposit Growth (YoY)-0.33%-4.13%-3.01%1.73%1.02%+135 bps
Asset Quality
Nonperforming Loans / Loans1.08%1.06%0.31%0.34%0.21%-87 bps
Net Charge-Offs / Loans-0.07%-0.06%-0.05%0.00%0.60%+67 bps
Allowance / Loans1.35%1.40%1.46%1.49%1.29%-5 bps
Allowance Coverage of NPLs1.2x1.3x4.8x4.4x6.3x+5.0x
Capital
Tier 1 Leverage Ratio14.82%15.32%15.52%15.44%15.45%+63 bps
Total Risk-Based Capital24.68%25.62%25.58%25.65%27.23%+255 bps
Equity / Assets11.06%12.56%12.56%12.23%12.94%+188 bps
Liquidity & Funding
Loans / Deposits70.32%73.56%70.36%68.56%67.08%-325 bps
Liquid Assets / Assets2.76%2.21%4.52%5.90%7.32%+457 bps
CRE / Total Capitaln/a138.16%139.64%145.82%n/an/a