Community B&T Waco Texas
Waco, Texas · FDIC Cert #17108
Community B&T Waco Texas is an FDIC-insured bank (Certificate #17108) with $631M in total assets and $559M in total deposits as of the Q2 2024 Call Report. Headquartered in Waco, Texas, the bank maintains a Tier 1 capital ratio of 22.44% (Well-Capitalized) and a nonperforming loan ratio of 1.73%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community B&T Waco Texas (FDIC cert 17108) is a community bank — $631M in total assets, $559M in deposits, serving the Waco, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.44% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.73% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 35.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.72% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Community B&T Waco Texas carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Community B&T Waco Texas
- Total Assets
- $631M
- Total Deposits
- $559M
- Tier 1 Capital Ratio
- 22.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.73%
- Liquidity Ratio
- 35.68%
- Return on Assets
- 0.72%
- Headquarters
- Waco, Texas
- FDIC Certificate
- #17108
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community B&T Waco Texas holds a Tier 1 capital ratio of 22.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community B&T Waco Texas has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community B&T Waco Texas shows strong financial health indicators. With $631M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Community B&T Waco Texas Compares
Community B&T Waco Texas’s Health Score of 85 is 11 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 22.44% Tier 1 capital ratio is 8.4 points above the US banking industry average near 14%. The 1.73% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.72% is below the national ROA benchmark of ~1.1%. Among 1328 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Community B&T Waco Texas is 15 points above the portfolio average of 70.
Frequently Asked Questions
Community B&T Waco Texas has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Community B&T Waco Texas's Tier 1 capital ratio of 22.44% and nonperforming loan ratio of 1.73% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Community B&T Waco Texas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17108). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Community B&T Waco Texas holds $631M in total assets and $559M in total deposits. It is headquartered in Waco, Texas (FDIC Certificate #17108).
Community B&T Waco Texas has a Tier 1 capital ratio of 22.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.73%, and the return on assets is 0.72%.
Yes. Community B&T Waco Texas is FDIC-insured (Certificate #17108). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community B&T Waco Texas's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.