Banks | Community Bank & Trust, Waco, Texas
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Community Bank & Trust, Waco, Texas


Community Bank & Trust, Waco, Texas is an FDIC insured institution headquartered at 1800 Washington Ave, Waco, TX 76701.
It was founded in 1952 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.80% $10,000 Compare
24 Mo CD
0.80% $100,000 Compare
36 Mo CD
0.90% $10,000 Compare
36 Mo CD
0.90% $100,000 Compare
48 Mo CD
1.00% $10,000 Compare
48 Mo CD
1.00% $100,000 Compare
60 Mo CD
1.31% $10,000 Compare
60 Mo CD
1.31% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.25% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17108
Date Established 1952
Assets $ 643.97 million
Loans $ 384.93 million
Deposits $ 572.89 million
Capital $ 69.42 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 20.41 million
Interest-bearing balances $ 13.99 million
Total securities $ 214.24 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 384.93 million
Loan loss allowance $ 4.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles N.A.
All other assets $ 17.83 million
     Total Assets $ 574.56 million

LIABILITIES
Total deposits $ 572.89 million
      Interest-bearing deposits $ 422.32 million
      Deposits held in domestic offices $ 572.89 million
      % insured (estimated)" 83.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.00 million
Subordinated debt N.A.
All other liabilities $ 0.91 millionn
      Total Liabilities $ 574.56 million
      Shareholders’ Equity $ 69.42 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 29.21 million
Total Interest Expense $ 10.95 million
Net interest income $ 18.27 million
Provision for loan and lease losses $ 2.50 million
Total non interest income $ 7.16 million
Total non interest expense $ 18.27 million
Pre-tax Net Operating Income $ 6.18 million

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