OK lenders / Community Bank
The Exchange Bank
Community Bank · Skiatook, OK · Skiatook Bancshares Inc
- Total assets
- $155.4M
- CRE loan book
- $24.6M
- QoQ CRE growth
- 6.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.97% as of Q1 2026 — TX bank median 4.87% (2.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.97% | 7.14% |
| Q4 2025 | 7.07% | 7.57% |
| Q3 2025 | 6.56% | 7.12% |
| Q2 2025 | 7.28% | 7.38% |
| Q1 2025 | 7.16% | 7.61% |
| Q4 2024 | 7.38% | 7.82% |
| Q3 2024 | 7.17% | 7.25% |
| Q2 2024 | 6.51% | 6.55% |
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 | $24.6M | $4.7M | $301,000 | 96% | $0 |
| Q4 2025 | $23.2M | $3.7M | $310,000 | 89% | $0 |
| Q3 2025 | $21.4M | $2.6M | $421,000 | 85% | $0 |
| Q2 2025 | $20.3M | $2.8M | $430,000 | 86% | $0 |
| Q1 2025 | $21.3M | $3.7M | $441,000 | 88% | $0 |
| Q4 2024 | $22.6M | $4.3M | $550,000 | 93% | $0 |
| Q3 2024 | $21.5M | $3.4M | $510,000 | 86% | $0 |
| Q2 2024 | $21.8M | $3.1M | $619,000 | 89% | $0 |
Signals
Regulatory actions
Similar lenders
Other community banks we track with a comparable CRE book size.
- The State Exchange BankCommunity Bank · Lamont · $24.7M CRE book
- The Twin Valley BankCommunity Bank · West Alexandria · $24.7M CRE book
- Merchants State BankCommunity Bank · Freeman · $24.5M CRE book
- Farmers & Merchants Bank & TrustCommunity Bank · Burlington · $24.5M CRE book
- Oakwood BankCommunity Bank · Pigeon Falls · $24.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.