• Learn About Our Lending Process

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

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  • Control Your Cards from Your Phone

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

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  • Fake Check Scam Warning Signs

    Fake checks drive many types of scams, and chances are you have been the target of a fake check scam.

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  • 1.20% APY* for One Year

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

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  • Point. Click. Deposit!

    Deposit your checks through the Mobile Community on your smartphone!

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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.


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.

Fake checks drive many types of scams, and chances are you have been the target of a fake check scam.

Cyberthreats are mounting for all businesses as hackers target companies of all types with a blitz of increasingly sophisticated and destructive attacks.

CB&T has been made aware of several hundred fraudulent fax solicitations bearing our bank's name.

Our Community