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How Can We Help You?

  • Celebrating 71 years of Serving Beyond Expectations.

    Serving all your banking needs since 1952.

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  • Digital Invoicing and Payment Acceptance

    Autobooks is available now for your business inside the Mobile Community!

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  • Open an Account Online from Anywhere!

    Get started with a new checking or savings account from CB&T in just minutes.

    Open An Account Now
  • Home Loans Made Simple

    You can now apply for a mortgage from anywhere, on any device!

    Apply Online Now

Serving beyond expectations.

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Woman with coffee and a laptop

Accounts for Your Lifestyle

In the market for a new account? We offer a variety of checking and savings options - including CDs - to fit your unique financial situation. 

Open Online Now

Loans Made Simple

Our online mortgage application makes it simple to finance your perfect home! You can get the home loan process started by completing an application today.

Apply Online Now
Grandfather & grandson

Wealth Management

Trust us to preserve your legacy by establishing a financial plan for future generations. Our financial advisors can provide the financial expertise you need to establish a trust for your family.

Meet Our Trust Team

Explore the Mobile Community

Our state-of-the-art mobile banking platform allows you to bank anywhere, anytime, on any device. We invite you to become a part of the Community and experience these features for yourself!

  • Mobile Deposit for all customers
  • Bill Pay to pay all your bills online
  • SecurLOCK Equip to control where and when your debit card is used
  • And more!

What Our Customers Are Saying

  • The staff at CB&T are friendly, caring and knowledgable. They give undivided attention when customers meet with a teller, loan officer and/or trust officer.
    Lisa S.
  • Great people that will work with you. I wouldn't take my account anywhere else.
    Jason P.
  • I have been with CB&T for over 40 years. A family tradition to do business with a family-owned and family-oriented bank. You can feel it when you walk in the door.
    Judy H.

Our Community Commitment

Customer luncheon

Dr. Ray Perryman

February 22, 2023

Dr. Ray Perryman visited with CB&T Wealth Management & Trust customers concerning key trends affecting the Waco-area economy and on his outlook for the community's financial future.

CBT Waco staff receiving award from Baylor University

Baylor Impact Awards

September 30, 2022

CB&T received the Community Commitment and the Texas Family Business of the Year awards at the Baylor Impact Awards ceremony at Baylor University. These are awarded to businesses that demonstrate a commitment to improving their community, and to successful, multi-generational, family-owned…

CBT Waco Surprise patrol awarding a check

Waco ISD SurPRIZE Patrol

May 19, 2022

CB&T joined the Waco ISD Education Foundation SurPRIZE Patrol. Our bankers surprised a deserving third grade math teacher at Cedar Ridge Elementary with a grant to fund math manipulatives for her classroom next year.

We’re Making a Big Impact in the Community

Best of Waco 2022 Award

BEST Bank, Financial Planning Firm & Business Bank

Locals Love Us 2022 Award

MOST LOVED in Banking, Mortgages, Personal Loans & Financial Advisors

2022 Waco Tribune Herald Readers Choice Award

#1 Bank, Loans, Financial Planners & Place to Work

Credit Scores Explained

Just what is a credit score and how is it calculated? Few people understand the true impact a credit score can have on their lives. CB&T's Codi Horacek explains!

Recent Articles

Bank Jugging: What It Is and How to Stay Safe

Bank jugging is a form of robbery that is on the rise in our area and around the country. Bank jugging is when a suspect observes customers enter and exit a bank branch, a bank drive-through, or an ATM. The suspect will then follow the customers they believe are in possession of large amounts of …

Good News for Waco: Your Banks Are Strong

One of the great strengths of Waco is its locally-owned community banks. Every day we compete against each other for business. But today we come together not as competitors, but with this unified message: The CEO’s of Alliance Bank Central Texas, American Bank, Central National Bank, Community Bank …

Tips to Protect Yourself Online

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, 108 million U.S. consumers were victims of cybercrime in 2021. We recommend following the below tips to help keep you and your …