OK lenders / Community Bank
Shamrock Bank, N.A.
Community Bank · Coalgate, OK · Shamrock Bancshares Employee Stk Ownership Plan
- Total assets
- $503.7M
- CRE loan book
- $153.7M
- QoQ CRE growth
- -0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.96% as of Q1 2026 — TX bank median 4.87% (2.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.96% | 7.26% |
| Q4 2025 | 7.16% | 7.43% |
| Q3 2025 | 7.06% | 7.40% |
| Q2 2025 | 6.96% | 7.31% |
| Q1 2025 | 6.72% | 7.09% |
| Q4 2024 | 6.84% | 7.16% |
| Q3 2024 | 6.68% | 7.06% |
| Q2 2024 | 6.39% | 6.82% |
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 | $153.7M | $33.6M | $6.2M | 213% | $387,000 |
| Q4 2025 | $154.9M | $40.1M | $5.0M | 238% | $387,000 |
| Q3 2025 | $149.5M | $42.0M | $4.7M | 221% | $0 |
| Q2 2025 | $143.9M | $46.3M | $2.6M | 213% | $0 |
| Q1 2025 | $136.6M | $43.3M | $2.6M | 213% | $0 |
| Q4 2024 | $130.6M | $39.7M | $2.7M | 206% | $58,000 |
| Q3 2024 | $119.0M | $29.2M | $1.4M | 171% | $60,000 |
| Q2 2024 | $113.1M | $27.4M | $1.5M | 166% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank and Trust Company, Inc.Community Bank · Caruthersville · $153.8M CRE book
- University BankCommunity Bank · Ann Arbor · $153.5M CRE book
- Springs Valley Bank & Trust CompanyCommunity Bank · French Lick · $154.3M CRE book
- Chelsea State BankCommunity Bank · Chelsea · $152.9M CRE book
- Central Savings BankCommunity Bank · Sault Sainte Marie · $151.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.