🏦Bank Scorer

COMMUNITY BANK & TRUST, WACO, TEXAS

WACO, TX · Supervised by FDIC

Est. 1952FDIC #17,108RSSD: FDIC-17108
Part ofCOMMUNITY CO THE→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

1800 Washington Ave, WACO, TX

County

Mclennan County

Established

May 14, 1952

Total Assets

$658M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$658M

Total Deposits

$575M

Net Loans

$388M

Net Income

$2M

ROA

1.19%

ROE

9.58%

Risk-Based Capital

25.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.05%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$557M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419960.3%10.05%
202321069.05%10.48%
202227275%7.35%
202121475.23%7.01%
202019370.47%7.77%
201921576.74%10.70%
201823474.36%9.40%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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