• Personal Identity Protection

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

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  • Control that Cash Doesn't Offer

    Turn your card off and on, receive transaction alerts, and more with SecurLOCK Equip!

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  • Let us help you make it HOME.

    Whether a new home purchase or an improvement project, our lending team is ready to help you!

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  • Fast and safe checkouts.

    Add your CB&T Debit Mastercard to Apple Pay or Samsung Pay today!

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  • Pay on the go with just a tap!

    Tap and go with CB&T's contactless Debit Mastercard.

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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.


Many young people think about how to earn money to buy the things they want, but it is important to learn how to manage that money too!

Computer-related crimes affecting businesses and consumers are frequently in the news.

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.

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