OK lenders / Community Bank
First State Bank
Community Bank · Valliant, OK · Fsb Financial Corp
- Total assets
- $101.0M
- CRE loan book
- $14.2M
- QoQ CRE growth
- -8.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.12% as of Q1 2026 — TX bank median 4.87% (3.25pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.12% | 7.98% |
| Q4 2025 | 8.47% | 8.48% |
| Q3 2025 | 8.48% | 8.48% |
| Q2 2025 | 8.51% | 8.49% |
| Q1 2025 | 8.47% | 8.32% |
| Q4 2024 | 9.10% | 8.82% |
| Q3 2024 | 8.88% | 8.68% |
| Q2 2024 | 8.58% | 8.39% |
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 | $14.2M | $5.0M | $0 | 70% | $0 |
| Q4 2025 | $15.4M | $6.2M | $0 | 75% | $0 |
| Q3 2025 | $14.7M | $5.6M | $0 | 74% | $31,000 |
| Q2 2025 | $14.5M | $5.7M | $0 | 78% | $0 |
| Q1 2025 | $16.4M | $6.6M | $0 | 91% | $0 |
| Q4 2024 | $16.3M | $5.7M | $0 | 75% | $0 |
| Q3 2024 | $19.0M | $9.0M | $0 | 108% | $0 |
| Q2 2024 | $19.6M | $8.8M | $0 | 111% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Independent Farmers BankCommunity Bank · Maysville · $14.2M CRE book
- Farmers Savings BankCommunity Bank · Wever · $14.3M CRE book
- Frederick Community Bank, TheCommunity Bank · Paxton · $14.4M CRE book
- Produce State BankCommunity Bank · Hollandale · $13.9M CRE book
- The International Bank of AmherstCommunity Bank · Amherst · $13.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.