OK lenders / Community Bank
Oklahoma State Bank
Community Bank · Buffalo, OK · Buffalo Bancshares Inc
- Total assets
- $67.4M
- CRE loan book
- $1.2M
- QoQ CRE growth
- 5.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.58% as of Q1 2026 — TX bank median 4.87% (1.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.58% | 8.27% |
| Q4 2025 | 6.31% | 8.85% |
| Q3 2025 | 9.73% | 9.02% |
| Q2 2025 | 7.18% | 9.08% |
| Q1 2025 | 7.08% | 8.88% |
| Q4 2024 | 7.01% | 9.10% |
| Q3 2024 | 7.08% | 9.29% |
| Q2 2024 | 7.14% | 9.55% |
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 | $1.2M | $0 | $0 | 16% | $0 |
| Q4 2025 | $1.1M | $0 | $0 | 16% | $0 |
| Q3 2025 | $1.1M | $0 | $0 | 14% | $0 |
| Q2 2025 | $1.1M | $0 | $0 | 15% | $0 |
| Q1 2025 | $1.1M | $0 | $0 | 16% | $0 |
| Q4 2024 | $728,000 | $0 | $0 | 11% | $0 |
| Q3 2024 | $711,000 | $0 | $0 | 10% | $0 |
| Q2 2024 | $837,000 | $0 | $0 | 12% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Vermilion Valley BankCommunity Bank · Piper City · $1.2M CRE book
- Bank of PragueCommunity Bank · Prague · $1.1M CRE book
- The State Bank of BernCommunity Bank · Bern · $1.1M CRE book
- Peoples State BankCommunity Bank · Westhope · $1.2M CRE book
- Fairview State Banking CompanyCommunity Bank · Fairview · $1.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.