OK lenders / Community Bank
The Seiling State Bank
Community Bank · Seiling, OK · Seiling Bancshares Inc
- Total assets
- $200.7M
- CRE loan book
- $22.1M
- QoQ CRE growth
- -6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.12% as of Q1 2026 — TX bank median 4.87% (2.25pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.12% | 7.15% |
| Q4 2025 | 7.47% | 6.28% |
| Q3 2025 | 7.13% | 7.35% |
| Q2 2025 | 7.17% | 7.33% |
| Q1 2025 | 6.70% | 7.26% |
| Q4 2024 | 6.99% | 7.12% |
| Q3 2024 | 6.92% | 7.43% |
| Q2 2024 | 6.82% | 7.26% |
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 | $22.1M | $8.3M | $337,000 | 55% | $41,000 |
| Q4 2025 | $23.5M | $8.6M | $1.0M | 64% | $41,000 |
| Q3 2025 | $22.4M | $8.0M | $1.2M | 63% | $75,000 |
| Q2 2025 | $19.2M | $5.2M | $1.2M | 52% | $75,000 |
| Q1 2025 | $20.4M | $6.5M | $1.2M | 61% | $75,000 |
| Q4 2024 | $22.6M | $8.2M | $1.1M | 70% | $35,000 |
| Q3 2024 | $20.7M | $7.0M | $700,000 | 62% | $35,000 |
| Q2 2024 | $18.1M | $6.4M | $0 | 51% | $36,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Hamlin Bank and Trust CompanyCommunity Bank · Smethport · $22.0M CRE book
- Federated BankCommunity Bank · Onarga · $22.2M CRE book
- Bellevue State BankCommunity Bank · Bellevue · $22.2M CRE book
- The Goose River BankCommunity Bank · Mayville · $22.4M CRE book
- Sandhills State BankCommunity Bank · North Platte · $21.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.