OK lenders / Community Bank
First Bank & Trust Company
Community Bank · Perry, OK · Fnbt Bancshares Perry Ok Inc
- Total assets
- $260.6M
- CRE loan book
- $18.0M
- QoQ CRE growth
- 0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.03% as of Q1 2026 — TX bank median 4.87% (2.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.03% | 7.20% |
| Q4 2025 | 6.74% | 7.32% |
| Q3 2025 | 7.21% | 7.63% |
| Q2 2025 | 7.13% | 7.44% |
| Q1 2025 | 6.96% | 7.33% |
| Q4 2024 | 7.09% | 7.55% |
| Q3 2024 | 7.04% | 7.53% |
| Q2 2024 | 6.76% | 7.21% |
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 | $18.0M | $4.4M | $1.1M | 49% | $36,000 |
| Q4 2025 | $18.0M | $5.3M | $1.1M | 50% | $38,000 |
| Q3 2025 | $18.5M | $6.0M | $1.1M | 55% | $39,000 |
| Q2 2025 | $19.7M | $7.0M | $1.1M | 59% | $41,000 |
| Q1 2025 | $20.2M | $7.1M | $1.2M | 58% | $42,000 |
| Q4 2024 | $20.4M | $7.2M | $1.2M | 60% | $44,000 |
| Q3 2024 | $19.8M | $6.8M | $1.2M | 60% | $46,000 |
| Q2 2024 | $19.3M | $6.3M | $1.2M | 59% | $48,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Danville State Savings BankCommunity Bank · New London · $18.1M CRE book
- The First National Bank in AmboyCommunity Bank · Amboy · $18.1M CRE book
- First National Bank of SteelevilleCommunity Bank · Steeleville · $18.1M CRE book
- United Security BankCommunity Bank · Fulton · $17.8M CRE book
- The Peoples BankCommunity Bank · Pratt · $17.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.