OK lenders / Community Bank
ACB Bank
Community Bank · Cherokee, OK · Alfalfa County Bancshares Inc
- Total assets
- $143.8M
- CRE loan book
- $20.7M
- QoQ CRE growth
- -12.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.05% as of Q1 2026 — TX bank median 4.87% (2.18pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.05% | 7.17% |
| Q4 2025 | 9.21% | 8.41% |
| Q3 2025 | 7.94% | 8.35% |
| Q2 2025 | 6.54% | 7.25% |
| Q1 2025 | 6.51% | 7.10% |
| Q4 2024 | 6.96% | 7.00% |
| Q3 2024 | 6.56% | 7.21% |
| Q2 2024 | 6.75% | 7.20% |
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 | $20.7M | $714,000 | $0 | 105% | $106,000 |
| Q4 2025 | $23.5M | $1.0M | $0 | 120% | $108,000 |
| Q3 2025 | $23.1M | $478,000 | $0 | 118% | $111,000 |
| Q2 2025 | $24.1M | $544,000 | $0 | 127% | $695,000 |
| Q1 2025 | $23.4M | $599,000 | $0 | 127% | $713,000 |
| Q4 2024 | $26.8M | $722,000 | $0 | 149% | $791,000 |
| Q3 2024 | $26.3M | $815,000 | $0 | 144% | $810,000 |
| Q2 2024 | $25.4M | $559,000 | $0 | 136% | $706,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers Trust and Savings BankCommunity Bank · Buffalo Center · $20.7M CRE book
- Security State BankCommunity Bank · Cheyenne · $20.7M CRE book
- Savings BankCommunity Bank · Primghar · $20.6M CRE book
- The First National Bank of MontereyCommunity Bank · Monterey · $20.8M CRE book
- Community Bank and TrustCommunity Bank · Neosho · $20.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.