Bank · FDIC insured
Community Bank and Trust
A $649.1M bank headquartered in Waco, TX, with 3 branches in Texas. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community Bank and Trust
- Headquarters
- 1800 Washington Ave, Waco, TX 76701
- FDIC certificate
- 17108 ↗
Branches
3 branches in Texas
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Texas
3 branches
- Community Bank & Trust, Waco, TexasMain office1800 Washington Ave, Waco, TX 76701Directions
- Chapel Road Branch8820 Chapel Rd, Waco, TX 76712Directions
- Waco Branch1409 Wooded Acres Dr, Waco, TX 76710Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.11% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $67 | $81 | — |
- CapitalLeverage ratio15.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.11%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$67Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.