OK lenders / Community Bank
Exchange Bank and Trust Company
Community Bank · Perry, OK · Perry Bancshares Inc
- Total assets
- $433.2M
- CRE loan book
- $126.5M
- QoQ CRE growth
- -2.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.11% as of Q1 2026 — TX bank median 4.87% (2.25pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.11% | 7.53% |
| Q4 2025 | 7.26% | 7.65% |
| Q3 2025 | 7.27% | 7.72% |
| Q2 2025 | 6.92% | 7.46% |
| Q1 2025 | 6.76% | 7.29% |
| Q4 2024 | 7.03% | 7.45% |
| Q3 2024 | 6.67% | 7.19% |
| Q2 2024 | 6.56% | 7.18% |
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 | $126.5M | $26.4M | $17.3M | 146% | $1.2M |
| Q4 2025 | $130.0M | $29.5M | $16.8M | 157% | $1.2M |
| Q3 2025 | $128.2M | $31.1M | $16.7M | 162% | $1.2M |
| Q2 2025 | $126.0M | $31.4M | $16.9M | 163% | $1.7M |
| Q1 2025 | $121.6M | $28.9M | $15.5M | 158% | $1.7M |
| Q4 2024 | $124.9M | $29.3M | $15.7M | 165% | $2.1M |
| Q3 2024 | $126.7M | $30.7M | $15.8M | 170% | $1.6M |
| Q2 2024 | $124.2M | $30.3M | $15.9M | 173% | $39,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.