• Budgeting 101

    We are here to simplify the budgeting process and to help you get started!

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  • Property Improvement Loans

    We can help make your house your dream home.

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  • Point. Click. Deposit!

    Deposit your checks through the Mobile Community on your smartphone!

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  • 1.92% APY* for 18 Month CD

    Click "Learn More" for more details about this special limited-time CD rate!

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  • Learn About Our Lending Process

    Interested in a loan? Lending Officer Daniel Muniz explains the simple online inquiry process.

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Mobile Banking

Deposit checks, control your debit card and more. Explore our mobile solutions.

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Loan Center

Looking for the right loan for your goals? Begin the process online now!

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Trust Services

From trusts and estates, to retirement planning and senior care services - let us assist you.

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About Us

Community Bank & Trust opened our doors on May 14, 1952 on the corner of 18th Street and Washington Avenue in Waco. Today, we are at the same location (plus a few new locations!), with the same name, the same local ownership, and the same commitment of personal service.

CB&T founders envisioned a new kind of convenience in banking. They made their vision a reality through friendly, innovative lending practices that are still in practice today.

We invite you to explore our products and services and experience for yourself what makes CB&T the “Most Loved” bank in our community.


Technology makes it so easy to spend money. From paying with an app on your phone to shopping online, money can fly out of your account quickly. 

Are you making progress toward your financial goals? Are your finances in order? Are you prepared for a financial emergency?

Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. According to a Norton Cybercrime Report, 143 million U.S.

As of September 7, 2018, we will be requiring a new endorsement on all checks deposited through the Mobile Deposit feature of the Mobile Community.

Our Community