NM lenders / Community Bank
The Citizens Bank
Community Bank · Farmington, NM · Citizens Bk Employee Stk Ownership&Retirement Svg Plan
- Total assets
- $794.7M
- CRE loan book
- $139.7M
- QoQ CRE growth
- 0.1%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
26 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.50% (26 variable / 0 fixed) · $31.9M total approved.
Borrower cities: Garland (2), Lake Jackson, Montgomery, League City, Spring, Greenville.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 31, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.04% as of Q1 2026 — TX bank median 4.87% (1.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.04% | 6.40% |
| Q4 2025 | 6.11% | 6.48% |
| Q3 2025 | 6.14% | 6.56% |
| Q2 2025 | 5.93% | 6.37% |
| Q1 2025 | 5.97% | 6.42% |
| Q4 2024 | 6.12% | 6.57% |
| Q3 2024 | 5.99% | 6.43% |
| Q2 2024 | 5.85% | 6.29% |
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 | $139.7M | $35.9M | $6.9M | 117% | $52,000 |
| Q4 2025 | $139.6M | $35.6M | $7.8M | 116% | $0 |
| Q3 2025 | $143.9M | $33.4M | $8.0M | 123% | $2.5M |
| Q2 2025 | $142.5M | $27.5M | $8.4M | 121% | $2.5M |
| Q1 2025 | $149.9M | $34.6M | $5.4M | 131% | $0 |
| Q4 2024 | $145.0M | $31.2M | $5.5M | 131% | $0 |
| Q3 2024 | $140.7M | $30.2M | $6.1M | 123% | $0 |
| Q2 2024 | $140.7M | $24.0M | $6.7M | 122% | $0 |
Signals
Recent news
- Citizens Bank says it has ended lending to private prison companies used by ICE - Inquirer.com — Coverage of The Citizens Bank related to lending reported by inquirer.com.Jul 20, 2026
- After months of protests, Citizens Bank stops extending credit to ICE contractors - PhillyVoice — Coverage of The Citizens Bank related to commercial real estate and lending reported by phillyvoice.com.Jul 20, 2026
- Citizens Bank Promotes Three to Leadership Positions - Arkansas Money & Politics — Coverage of The Citizens Bank related to commercial real estate and lending reported by armoneyandpolitics.com.Jun 19, 2026
- In latest anti-ICE protest, faith group withdraws $2 million from Citizens Bank - The Boston Globe — Coverage of The Citizens Bank related to commercial real estate and lending reported by bostonglobe.com.Jun 10, 2026
- Former Citizens Bank building in York to house wedding and event venue - York Daily Record — Coverage of The Citizens Bank related to commercial real estate and lending reported by ydr.com.May 27, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers & Merchants State BankCommunity Bank · Waterloo · $139.7M CRE book
- Essex BankCommunity Bank · Essex · $140.0M CRE book
- DR BankCommunity Bank · Darien · $138.7M CRE book
- Verus Bank of CommerceCommunity Bank · Fort Collins · $138.5M CRE book
- Thumb Bank and TrustCommunity Bank · Pigeon · $138.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.