AR lenders / Community Bank
Horatio State Bank
Community Bank · Horatio, AR · Pioneer Bancshares Horatio Ark
- Total assets
- $311.8M
- CRE loan book
- $43.7M
- QoQ CRE growth
- -3.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.42% as of Q1 2026 — TX bank median 4.87% (2.56pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.42% | 7.45% |
| Q4 2025 | 7.86% | 7.78% |
| Q3 2025 | 7.49% | 7.47% |
| Q2 2025 | 7.59% | 7.32% |
| Q1 2025 | 7.23% | 7.12% |
| Q4 2024 | 7.35% | 7.26% |
| Q3 2024 | 7.44% | 7.20% |
| Q2 2024 | 7.22% | 7.22% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $43.7M | $11.1M | $526,000 | 44% | $72,000 |
| Q4 2025 | $45.5M | $12.8M | $608,000 | 49% | $46,000 |
| Q3 2025 | $45.1M | $12.2M | $611,000 | 48% | $555,000 |
| Q2 2025 | $44.1M | $11.6M | $607,000 | 46% | $164,000 |
| Q1 2025 | $41.1M | $13.1M | $607,000 | 52% | $210,000 |
| Q4 2024 | $37.2M | $12.8M | $610,000 | 49% | $335,000 |
| Q3 2024 | $37.1M | $12.4M | $613,000 | 49% | $239,000 |
| Q2 2024 | $35.3M | $13.8M | $616,000 | 47% | $90,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens Bank and Trust Company of Grainger CountyCommunity Bank · Rutledge · $43.7M CRE book
- Farmers BankCommunity Bank · Greenwood · $43.8M CRE book
- First National Bank of HerefordCommunity Bank · Hereford · $44.2M CRE book
- United Community BankCommunity Bank · Milford · $43.1M CRE book
- Lake Central BankCommunity Bank · Annandale · $43.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.