BlastPoint's Banking Scorecard

Community Bank & Trust, Waco, Texas

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

Waco, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +1.0% year over year ($562.6M on the books).
Delinquency rate 0.21%.
Return on assets 1.11%.
Efficiency ratio 70.60% vs a 64.48% peer average.
Loan-to-deposit ratio 66.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (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 34.6% in tier
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 28.2% in tier
- ROA 0.22% below tier average
- Net Interest Margin 0.51% below tier average
- Efficiency Ratio 6.12% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$649.1M +3.2% YoY -1.4% QoQ	+$262.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$372.5M -3.6% YoY -4.1% QoQ	+$114.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$562.6M +1.0% YoY -2.1% QoQ	+$235.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.11% +22.5% YoY -6.8% QoQ	-0.22%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.48% +8.2% YoY -0.5% QoQ	-0.51%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	70.60% +2.8% YoY +2.1% QoQ	+6.12%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.21% -80.9% YoY -39.7% QoQ	-0.71%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	66.21% -4.6% YoY -2.0% QoQ	-11.74%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	26.60% +3.3% YoY +1.2% QoQ	+4.57%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.12% -82.2% YoY -41.3% QoQ	-0.55%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	25.98% +10.9% YoY +6.5% QoQ	+10.07%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 6.1% in tier
Non-Interest Income / Assets ?	0.67% +6.1% YoY +97.5% QoQ	+0.11%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 6.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	26.6% +0.9pp YoY +0.3pp QoQ	+4.5pp	22.1%	29.2%	22.2%	72%
Brokered Deposits	6.7% -4.6pp YoY +0.1pp QoQ	-1.2pp	7.9%	8.0%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	18.5% +0.2pp YoY +1.3pp QoQ	+6.9pp	11.6%	14.8%	12.5%	85%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	42.8% -0.1pp YoY +1.8pp QoQ	+10.1pp	32.6%	25.8%	31.3%	74%
Consumer	2.8% -0.1pp YoY 0.0pp QoQ	-1.3pp	4.1%	4.7%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	26.0% +2.6pp YoY +1.6pp QoQ	+7.2pp	18.8%	22.7%	19.7%	90%
Leverage Ratio	15.5% +0.6pp YoY 0.0pp QoQ	+3.3pp	12.2%	12.6%	12.6%	89%
Total Capital Ratio	27.2% +2.6pp YoY +1.6pp QoQ	+7.3pp	19.9%	23.8%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	109 -3 (-2.7%) YoY 0 QoQ	+50	58	186	482	89%
Assets per Employee ($)	$6.0M +6.1% YoY -1.4% QoQ	-$1.6M	$7.5M	$10.1M	$8.8M	33%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY	-0.2pp	0.3%	0.3%	0.4%	61%
Nonaccrual	0.0% -1.0pp YoY -0.3pp QoQ	-0.9pp	0.9%	1.0%	1.0%	11%
Allowance Coverage	6.27x +403.3% YoY +43.9% QoQ	-17.88x	24.15x	18.82x	20.23x	75%
Net Charge-off Rate (YTD)	0.6% +0.7pp YoY	+0.4pp	0.1%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	8.8% +0.6pp YoY -0.8pp QoQ	-3.4pp	12.2%	13.2%	11.6%	30%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	47%
Net Income ($, YTD)	$3.6M +24.7% YoY — QoQ	+$1.0M	$2.6M	$15.9M	$40.4M	76%

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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

#230 of 661 • Top 34.6% 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: 0.67%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.11%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#210 of 742 • Bottom 28.2% 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: 25.98%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 66.21%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

159

Non-Interest Income / Assets

revenue_mix

Value: 0.67%

Peer Median: 0.57%

#159 of 2643 Top 6.0% in $100M-$1B

161

Tier 1 Capital Ratio

capital

Value: 25.98%

Peer Median: 15.91%

#161 of 2643 Top 6.1% in $100M-$1B

398

Total Deposits

size

Value: $562.57M

Peer Median: $326.73M

#398 of 2643 Top 15.0% in $100M-$1B

418

Total Assets

size

Value: $649.07M

Peer Median: $386.57M

#418 of 2643 Top 15.8% in $100M-$1B

627

Total Loans

size

Value: $372.47M

Peer Median: $258.35M

#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available