GA lenders / Community Bank
The Citizens Bank of Swainsboro
Community Bank · Swainsboro, GA · Swainsboro Bankshares Inc
- Total assets
- $418.9M
- CRE loan book
- $106.2M
- QoQ CRE growth
- 6.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.61% as of Q1 2026 — TX bank median 4.87% (1.75pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.61% | 7.12% |
| Q4 2025 | 7.01% | 7.47% |
| Q3 2025 | 7.02% | 7.53% |
| Q2 2025 | 6.78% | 7.36% |
| Q1 2025 | 6.57% | 7.12% |
| Q4 2024 | 6.80% | 7.30% |
| Q3 2024 | 6.79% | 7.25% |
| Q2 2024 | 6.55% | 7.10% |
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 | $106.2M | $41.2M | $10.7M | 173% | $0 |
| Q4 2025 | $99.5M | $33.5M | $10.8M | 160% | $0 |
| Q3 2025 | $98.1M | $36.6M | $6.4M | 162% | $0 |
| Q2 2025 | $96.4M | $33.1M | $6.7M | 168% | $0 |
| Q1 2025 | $93.8M | $30.3M | $9.8M | 171% | $0 |
| Q4 2024 | $85.2M | $32.7M | $8.6M | 157% | $0 |
| Q3 2024 | $82.9M | $30.5M | $8.7M | 159% | $0 |
| Q2 2024 | $86.0M | $35.0M | $9.0M | 173% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
- First State Bank & TrustCommunity Bank · Williston · $106.1M CRE book
- Peoples Trust Company of St. AlbansCommunity Bank · Saint Albans · $105.5M CRE book
- Enterprise Bank of South CarolinaCommunity Bank · Ehrhardt · $107.1M CRE book
- Commerce BankCommunity Bank · Geneva · $105.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.