Community Bank and Trust Company

Community Bank and Trust Company is a community bank headquartered in Waco, Texas, primarily serving the Texas market. For small-business borrowers, it offers a range of commercial lending products including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. The bank also provides personal banking services such as checking, savings, CDs, mortgages, wealth management, and trust services — suggesting it operates as a full-service institution with a relationship-banking orientation. Website testimonials point to a personable, long-tenured staff and a family-focused service culture, though only a small number of reviews are available. Specific rates, fees, minimum qualifications, and approval criteria are not publicly disclosed, so prospective borrowers will need to contact the bank directly to assess fit. It appears best suited for Texas-based businesses seeking a relationship-driven lender rather than a fast, application-only process.