GA lenders / Community Bank
Citizens Trust Bank
Community Bank · Atlanta, GA · Citizens Bancshares Corp
- Total assets
- $786.8M
- CRE loan book
- $189.6M
- QoQ CRE growth
- 0.4%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 22, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.06% as of Q1 2026 — TX bank median 4.87% (1.19pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.06% | 6.13% |
| Q4 2025 | 6.18% | 6.45% |
| Q3 2025 | 6.21% | 6.54% |
| Q2 2025 | 6.09% | 6.31% |
| Q1 2025 | 6.08% | 6.39% |
| Q4 2024 | 5.95% | 6.30% |
| Q3 2024 | 6.31% | 6.59% |
| Q2 2024 | 6.22% | 6.67% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $189.6M | $48.7M | $12.1M | 94% | $2.4M |
| Q4 2025 | $188.8M | $44.2M | $9.7M | 97% | $842,000 |
| Q3 2025 | $196.6M | $38.4M | $14.1M | 105% | $1.6M |
| Q2 2025 | $203.8M | $33.1M | $21.8M | 116% | $2.8M |
| Q1 2025 | $203.6M | $42.0M | $14.9M | 118% | $2.6M |
| Q4 2024 | $206.1M | $42.3M | $15.0M | 124% | $3.0M |
| Q3 2024 | $206.8M | $41.3M | $17.6M | 131% | $1.7M |
| Q2 2024 | $210.1M | $41.6M | $16.9M | 136% | $870,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Lagrange · $189.9M CRE book
- Citizens BankCommunity Bank · New Haven · $190.0M CRE book
- Cumberland Security Bank, Inc.Community Bank · Somerset · $190.4M CRE book
- First Pryority BankCommunity Bank · Pryor · $188.7M CRE book
- Union BankCommunity Bank · Grand Rapids · $191.4M CRE book
Markets where Citizens Trust Bank lends
Citizens Trust Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 22, 2026 · Sources: FFIEC CDR, county records, first-party conversations.