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How Can We Help You?

  • Send Invoices and Accept Payments from Anywhere!

    Autobooks is now available for your business in the Mobile Community.

  • Apply for Your New Home Online Today

    You can now begin the mortgage process from anywhere, on any device!

  • The Power to Protect your Debit Card

    Turn your CB&T debit card off and on, receive transaction alerts, and more with the SecurLOCK Equip app!

  • More Convenient ATMs

    Explore our ever-growing ATM Network to find a surcharge-free ATM near you!

Serving beyond expectations.

Learn More

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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
couple walks through a new home being built

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
older women with her daughter

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

Community Bank and Trust employees presenting gift to elementary school

SurPRIZE Patrol

May 15, 2023

CB&T employees presented a grant to the music class at West Avenue Elementary School as part of the 2023 Waco ISD Education Foundation SurPRIZE Patrol. This grant will fund new percussion instruments for their music classrooms.

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…

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

Mobile Banking and Security

Mobile Banking Mobile banking has revolutionized the way consumers do their banking. Mobile banking involves using your mobile phone or other mobile device to access your bank account, credit card or other financial accounts.  With this technology, you can remotely access your bank …

Establish Good Saving Habits

  Saving money can be challenging, which is why bankers are there to help customers every step of the way. Bankers understand the importance of saving money, and are a trusted resource to help you create a plan to reach your financial goals.    Starting with small savings …

A Guide to Credit Scores

A person's credit score indicates credit worthiness and impacts their ability to make life's most important purchases. Lenders use a consumer's credit score to decide whether to lend money to them and at what rate. People with higher credit scores are considered lower risk and are likely to get …