BlastPoint's Banking Scorecard

Community Bank & Trust, Waco, Texas

$100M-$1B Specialty: Commercial TX FDIC cert 17108

Waco, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Community Bank & Trust, Waco, Texas has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 26.0% in tier
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 32.1% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.43% below tier average
- Efficiency Ratio 3.88% above tier average

Get updates when Community Bank & Trust, Waco, Texas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$658.3M +3.0% YoY +3.3% QoQ	+$272.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 14.9% in tier
Total Loans ?	$388.2M +3.1% YoY +0.8% QoQ	+$132.5M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$574.8M +1.7% YoY +3.5% QoQ	+$246.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 14.4% in tier
Return on Assets ?	1.19% +46.9% YoY +26.9% QoQ	-0.08%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	3.50% +11.9% YoY +5.8% QoQ	-0.43%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	69.16% -1.2% YoY -0.4% QoQ	+3.88%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.35% -68.7% YoY +11.7% QoQ	-0.54%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	67.54% +1.4% YoY -2.6% QoQ	-9.10%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	26.28% +5.1% YoY -3.0% QoQ	+4.26%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.20% -71.2% YoY +9.0% QoQ	-0.43%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	24.39% +2.4% YoY +0.3% QoQ	+8.56%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	0.34% +8.9% YoY -73.1% QoQ	+0.06%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 5.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#174 of 666 • Top 26.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.19%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#238 of 739 • Bottom 32.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.39%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 67.54%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

153

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#153 of 2664 Top 5.7% in $100M-$1B

189

Tier 1 Capital Ratio

capital

Value: 24.39%

Peer Median: 15.83%

#189 of 2664 Top 7.1% in $100M-$1B

384

Total Deposits

size

Value: $574.84M

Peer Median: $327.97M

#384 of 2664 Top 14.4% in $100M-$1B

397

Total Assets

size

Value: $658.35M

Peer Median: $386.08M

#397 of 2664 Top 14.9% in $100M-$1B

574

Total Loans

size

Value: $388.23M

Peer Median: $255.72M

#574 of 2664 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available