MS lenders / Community Bank
Richton Bank & Trust Company
Community Bank · Richton, MS · Centon Bcorp Inc
- Total assets
- $53.8M
- CRE loan book
- $5.8M
- QoQ CRE growth
- 0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.73% as of Q1 2026 — TX bank median 4.87% (0.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.73% | 6.01% |
| Q4 2025 | 5.87% | 6.04% |
| Q3 2025 | 5.98% | 6.25% |
| Q2 2025 | 5.85% | 6.22% |
| Q1 2025 | 5.70% | 6.00% |
| Q4 2024 | 6.20% | 6.32% |
| Q3 2024 | 5.79% | 6.06% |
| Q2 2024 | 5.41% | 5.73% |
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 | $5.8M | $400,000 | $0 | 31% | $0 |
| Q4 2025 | $5.7M | $278,000 | $0 | 29% | $0 |
| Q3 2025 | $5.9M | $301,000 | $0 | 30% | $0 |
| Q2 2025 | $5.4M | $42,000 | $0 | 25% | $0 |
| Q1 2025 | $5.4M | $1.1M | $0 | 37% | $0 |
| Q4 2024 | $5.5M | $1.1M | $0 | 37% | $0 |
| Q3 2024 | $6.6M | $3.0M | $0 | 49% | $0 |
| Q2 2024 | $5.8M | $2.1M | $0 | 40% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Sanborn Savings BankCommunity Bank · Sanborn · $5.8M CRE book
- The First State BankCommunity Bank · Boise City · $5.8M CRE book
- Exchange State BankCommunity Bank · Lanark · $5.7M CRE book
- McIntosh County BankCommunity Bank · Ashley · $5.7M CRE book
- Zapata National BankCommunity Bank · Zapata · $5.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.