GA lenders / Community Bank
The Citizens National Bank of Quitman
Community Bank · Quitman, GA · Lowndes Bancshares Inc
- Total assets
- $134.3M
- CRE loan book
- $13.4M
- QoQ CRE growth
- 10.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.17% as of Q1 2026 — TX bank median 4.87% (2.30pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.17% | 7.50% |
| Q4 2025 | 7.11% | 7.55% |
| Q3 2025 | 6.91% | 7.43% |
| Q2 2025 | 6.91% | 7.44% |
| Q1 2025 | 6.68% | 7.21% |
| Q4 2024 | 6.99% | 7.45% |
| Q3 2024 | 6.73% | 7.28% |
| Q2 2024 | 6.61% | 7.09% |
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 | $13.4M | $1.6M | $467,000 | 19% | $23,000 |
| Q4 2025 | $12.1M | $833,000 | $497,000 | 13% | $24,000 |
| Q3 2025 | $12.3M | $2.1M | $517,000 | 22% | $25,000 |
| Q2 2025 | $11.1M | $1.5M | $530,000 | 19% | $26,000 |
| Q1 2025 | $11.1M | $1.6M | $542,000 | 21% | $0 |
| Q4 2024 | $12.9M | $3.0M | $1.6M | 37% | $0 |
| Q3 2024 | $11.0M | $1.0M | $1.6M | 24% | $0 |
| Q2 2024 | $10.2M | $881,000 | $1.6M | 24% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Iroquois Farmers State BankCommunity Bank · Iroquois · $13.2M CRE book
- Bank 1stCommunity Bank · West Union · $13.5M CRE book
- Liberty BankCommunity Bank · Liberty · $13.2M CRE book
- Liberty Trust & Savings BankCommunity Bank · Durant · $13.6M CRE book
- Auburn State BankCommunity Bank · Auburn · $13.1M CRE book
See all alternatives to The Citizens National Bank of Quitman →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.