OK lenders / Community Bank
The First Bank of Okarche
Community Bank · Okarche, OK
- Total assets
- $138.1M
- CRE loan book
- $1.8M
- QoQ CRE growth
- -19.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.25% as of Q1 2026 — TX bank median 4.87% (1.39pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.25% | 7.69% |
| Q4 2025 | 6.38% | 7.40% |
| Q3 2025 | 6.33% | 7.47% |
| Q2 2025 | 6.30% | 7.59% |
| Q1 2025 | 6.16% | 7.64% |
| Q4 2024 | 6.33% | 7.21% |
| Q3 2024 | 6.09% | 7.40% |
| Q2 2024 | 6.13% | 7.27% |
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 | $1.8M | $561,000 | $0 | 8% | $0 |
| Q4 2025 | $2.2M | $963,000 | $0 | 10% | $0 |
| Q3 2025 | $2.2M | $936,000 | $0 | 10% | $0 |
| Q2 2025 | $2.2M | $883,000 | $0 | 10% | $0 |
| Q1 2025 | $2.1M | $741,000 | $0 | 10% | $0 |
| Q4 2024 | $1.9M | $556,000 | $0 | 10% | $0 |
| Q3 2024 | $2.9M | $1.5M | $0 | 12% | $0 |
| Q2 2024 | $2.4M | $1.0M | $0 | 10% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State Bank of EmdenCommunity Bank · Emden · $1.8M CRE book
- The Hopeton State BankCommunity Bank · Hopeton · $1.7M CRE book
- Nebraska State BankCommunity Bank · Bristow · $1.9M CRE book
- Security State Bank of OkleeCommunity Bank · Oklee · $1.9M CRE book
- Citizens Savings BankCommunity Bank · Spillville · $1.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.