• Have you experienced the Mobile Community?

    Bank anywhere, at any time, with any device!

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  • Personal Identity Protection

    IDProtect® is available to CB&T customers through the Heritage Checking Account!

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  • Home Loans Made Simple

    Apply for a mortgage online now with LoanLink!

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  • Bank Anywhere, On Any Device

    Explore our online banking options in the Mobile Community.

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  • More Convenient ATMs

    CB&T customers can now use ATMs at local Circle K stores with no fees!

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Mobile Banking

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

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Looking for the right loan for your goals? Apply 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.


Phishing is when you get emails, texts, or calls that seem to be from companies or people you know, but they’re actually from scammers.

Few people understand the impact a good credit score can have on their life.

What do you need to consider prior to choosing a new home and a new mortgage? 

We've spent the past 68 years focusing on you.

Our Community