Community Bank & Trust, Waco, Texas: how it compares with its peers
Against 128 TX banks with half to twice its assets, Community Bank & Trust, Waco, Texas's strongest measure in Q2 2026 is return on assets (1.11% vs. a 1.43% peer median). Its weakest relative measure is net interest margin (3.48% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.43% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 4.20% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.60% | 60.54% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.8M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.21% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 70.60% is above the 60.54% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Dominion Bank Dallas, TX · $647M
- Worthington Bank Arlington, TX · $655M
- Classic Bank, National Association Cameron, TX · $657M
- The State National Bank of Big Spring Big Spring, TX · $640M
- Wellington State Bank Wellington, TX · $660M
- American State Bank Arp, TX · $638M
Questions about Community Bank & Trust, Waco, Texas
How big is Community Bank & Trust, Waco, Texas?
Community Bank & Trust, Waco, Texas, established in 1952, is headquartered in Waco, TX. It reported $649M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community Bank & Trust, Waco, Texas's return on assets?
1.11% annualized in Q2 2026, against a 1.43% median for 128 TX banks with half to twice its assets, ahead of 30% of them.
What is Community Bank & Trust, Waco, Texas's efficiency ratio?
70.60% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is Community Bank & Trust, Waco, Texas growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.