GA lenders / Community Bank
First Southern Bank
Community Bank · Waycross, GA · Fsbh Corp
- Total assets
- $334.8M
- CRE loan book
- $113.9M
- QoQ CRE growth
- -3.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.90% as of Q1 2026 — TX bank median 4.87% (2.04pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.90% | 6.92% |
| Q4 2025 | 7.22% | 7.23% |
| Q3 2025 | 7.29% | 7.30% |
| Q2 2025 | 6.96% | 7.03% |
| Q1 2025 | 7.02% | 7.08% |
| Q4 2024 | 6.91% | 7.09% |
| Q3 2024 | 6.71% | 6.91% |
| Q2 2024 | 6.50% | 6.73% |
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 | $113.9M | $27.8M | $3.6M | 121% | $0 |
| Q4 2025 | $117.7M | $26.8M | $3.1M | 131% | $0 |
| Q3 2025 | $112.4M | $24.9M | $3.1M | 122% | $0 |
| Q2 2025 | $107.6M | $21.6M | $3.1M | 112% | $0 |
| Q1 2025 | $106.6M | $19.9M | $3.0M | 112% | $0 |
| Q4 2024 | $97.9M | $18.9M | $2.4M | 108% | $0 |
| Q3 2024 | $98.7M | $20.2M | $2.4M | 120% | $0 |
| Q2 2024 | $92.7M | $14.2M | $2.4M | 109% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Vermillion State BankCommunity Bank · Vermillion · $114.0M CRE book
- Union County Savings BankCommunity Bank · Elizabeth · $114.1M CRE book
- Owen County State BankCommunity Bank · Spencer · $113.4M CRE book
- Collins State BankCommunity Bank · Collins · $113.4M CRE book
- Texas Exchange BankCommunity Bank · Crowley · $114.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.