OK lenders / Community Bank
The State Exchange Bank
Community Bank · Lamont, OK · State Exchange Bancshares Inc
- Total assets
- $94.5M
- CRE loan book
- $24.7M
- QoQ CRE growth
- -9.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.74% as of Q1 2026 — TX bank median 4.87% (1.88pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.74% | 7.06% |
| Q4 2025 | 8.47% | 8.31% |
| Q3 2025 | 6.36% | 6.71% |
| Q2 2025 | 6.60% | 6.18% |
| Q1 2025 | 6.04% | 6.25% |
| Q4 2024 | 6.92% | 6.83% |
| Q3 2024 | 6.67% | 5.35% |
| Q2 2024 | 6.82% | 7.57% |
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 | $24.7M | $3.3M | $221,000 | 121% | $222,000 |
| Q4 2025 | $27.4M | $3.3M | $224,000 | 143% | $300,000 |
| Q3 2025 | $32.5M | $3.3M | $2.9M | 205% | $3.0M |
| Q2 2025 | $32.9M | $3.3M | $2.9M | 211% | $3.0M |
| Q1 2025 | $36.2M | $3.2M | $3.1M | 187% | $3.7M |
| Q4 2024 | $37.8M | $3.1M | $3.1M | 195% | $1.2M |
| Q3 2024 | $35.9M | $0 | $3.1M | 182% | $1.2M |
| Q2 2024 | $36.7M | $99,000 | $3.1M | 170% | $296,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Twin Valley BankCommunity Bank · West Alexandria · $24.7M CRE book
- The Exchange BankCommunity Bank · Skiatook · $24.6M CRE book
- United State BankCommunity Bank · Lewistown · $24.9M CRE book
- Merchants State BankCommunity Bank · Freeman · $24.5M CRE book
- Farmers & Merchants Bank & TrustCommunity Bank · Burlington · $24.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.