OK lenders / Community Bank
The Payne County Bank
Community Bank · Perkins, OK · Employee Stk Ownership Plan Emp Payne Cnty Bk
- Total assets
- $304.0M
- CRE loan book
- $48.6M
- QoQ CRE growth
- 1.3%
- 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 | 7.19% | 7.49% |
| Q3 2025 | 7.04% | 7.40% |
| Q2 2025 | 6.96% | 7.37% |
| Q1 2025 | 6.88% | 7.27% |
| Q4 2024 | 7.01% | 7.42% |
| Q3 2024 | 6.78% | 7.22% |
| Q2 2024 | 6.56% | 7.04% |
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 | $48.6M | $21.4M | $3.0M | 90% | $0 |
| Q4 2025 | $47.9M | $22.5M | $3.0M | 95% | $0 |
| Q3 2025 | $45.6M | $20.4M | $3.0M | 93% | $0 |
| Q2 2025 | $42.7M | $19.7M | $4.2M | 86% | $0 |
| Q1 2025 | $40.0M | $19.4M | $4.1M | 85% | $43,000 |
| Q4 2024 | $36.3M | $16.4M | $3.9M | 79% | $45,000 |
| Q3 2024 | $32.5M | $14.2M | $3.5M | 72% | $0 |
| Q2 2024 | $30.6M | $12.0M | $3.4M | 66% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- F & M Community Bank, National AssociationCommunity Bank · Preston · $48.5M CRE book
- Bank of Yazoo CityCommunity Bank · Yazoo City · $48.5M CRE book
- Peoples State BankCommunity Bank · Shepherd · $49.1M CRE book
- Arrowhead BankCommunity Bank · Llano · $49.4M CRE book
- The Farmers State Bank of WaupacaCommunity Bank · Waupaca · $47.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.