• Personal Identity Protection

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

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  • Have you experienced the Mobile Community?

    Bank anywhere, at any time, with any device!

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  • Banking Online Safely

    Help ensure the safety of your financial information with these quick online banking safety tips!

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  • Refinance with us!

    Low Fees - Low Rates - Low Total Costs

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  • Point. Click. Deposit!

    Save a trip to the bank - try Mobile Deposits today!

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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? Explore our loan options!

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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.


We've spent the past 70 years focusing on you.

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.

Our Community