OK lenders / Community Bank
The First National Bank and Trust Company of Miami
Community Bank · Miami, OK · First Miami Bancshares Inc
- Total assets
- $206.4M
- CRE loan book
- $31.7M
- QoQ CRE growth
- 10.8%
- 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% | 6.96% |
| Q4 2025 | 7.57% | 7.62% |
| Q3 2025 | 7.51% | 7.36% |
| Q2 2025 | 7.30% | 7.32% |
| Q1 2025 | 7.36% | 7.37% |
| Q4 2024 | 7.55% | 7.69% |
| Q3 2024 | 7.75% | 7.72% |
| Q2 2024 | 7.48% | 7.58% |
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 | $31.7M | $7.0M | $173,000 | 46% | $0 |
| Q4 2025 | $28.6M | $6.5M | $175,000 | 45% | $0 |
| Q3 2025 | $29.0M | $6.9M | $177,000 | 44% | $0 |
| Q2 2025 | $28.1M | $6.0M | $178,000 | 42% | $0 |
| Q1 2025 | $27.7M | $7.0M | $180,000 | 47% | $20,000 |
| Q4 2024 | $27.5M | $6.3M | $182,000 | 46% | $20,000 |
| Q3 2024 | $26.9M | $6.4M | $183,000 | 48% | $0 |
| Q2 2024 | $28.6M | $7.0M | $185,000 | 51% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Planters and Citizens BankCommunity Bank · Camilla · $31.7M CRE book
- The Bank of VersaillesCommunity Bank · Versailles · $31.8M CRE book
- Citizens State Bank of RoseauCommunity Bank · Roseau · $31.8M CRE book
- Anchor D BankCommunity Bank · Texhoma · $32.0M CRE book
- The Peoples BankCommunity Bank · Magnolia · $31.3M CRE book
See all alternatives to The First National Bank and Trust Company of Miami →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.