BlastPoint's Banking Scorecard
Community Bank & Trust, Waco, Texas
Community
Specialty: Commercial
TX
FDIC cert 17108
Waco, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Community Bank & Trust, Waco, Texas has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.09% above tier
- + Non-Interest Income / Assets 0.53% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 23% in Community
- - Liquidity Overhang: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$637.6M
-1.0% YoY
+3.0% QoQ
|
-$753.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$385.3M
+0.1% YoY
-1.3% QoQ
|
-$590.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$555.6M
-3.0% YoY
+3.2% QoQ
|
-$609.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.94%
+43.4% YoY
+0.8% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.31%
+8.8% YoY
-0.0% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
69.46%
-3.3% YoY
+1.5% QoQ
|
+6.82% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.31%
-73.1% YoY
-71.0% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
69.33%
+3.2% YoY
-4.4% QoQ
|
-13.73% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
27.08%
+3.0% YoY
+0.9% QoQ
|
+6.03% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.19%
-74.9% YoY
-72.2% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
24.33%
+7.9% YoY
-0.1% QoQ
|
+14.09% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
1.27%
+14.2% YoY
+32.4% QoQ
|
+0.53% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.33%
(Tier avg: 10.24%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 9%
in Community
Why this stands out
Current:
1.27%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (2)
Flatlined Growth
risk
#58 of 245 · Bottom 23% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#106 of 268 · Bottom 39% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
24.33%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
69.33%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 24.33% · Tier avg: 10.24%
91
91th pctile
Non-Interest Income / Assets
Current: 1.27% · Tier avg: 0.74%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
28
28th pctile
Efficiency Ratio
Current: 69.46% · Tier avg: 62.63%
22
22th pctile
Total Deposits
Current: $555.6M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $637.6M · Tier avg: $1.4B
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.33% · Tier avg: 83.06%
13
13th pctile
Total Loans
Current: $385.3M · Tier avg: $975.5M
Top Weaknesses
13
13th pctile
Total Loans
Current: $385.3M · Tier avg: $975.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.33% · Tier avg: 83.06%
19
19th pctile
Total Assets
Current: $637.6M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $555.6M · Tier avg: $1.2B
28
28th pctile
Efficiency Ratio
Current: 69.46% · Tier avg: 62.63%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%
91
91th pctile
Non-Interest Income / Assets
Current: 1.27% · Tier avg: 0.74%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.33% · Tier avg: 10.24%