TN lenders / Community Bank
Citizens Bank
Community Bank · Elizabethton, TN · Citco Community Bancshares Inc
- Total assets
- $1.4B
- CRE loan book
- $817.8M
- QoQ CRE growth
- 5.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.64% as of Q1 2026 — TX bank median 4.87% (1.77pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.64% | 6.93% |
| Q4 2025 | 6.87% | 7.20% |
| Q3 2025 | 6.73% | 7.08% |
| Q2 2025 | 6.63% | 7.00% |
| Q1 2025 | 6.45% | 6.80% |
| Q4 2024 | 6.71% | 7.05% |
| Q3 2024 | 6.79% | 7.11% |
| Q2 2024 | 6.58% | 6.92% |
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 | $817.8M | $151.0M | $90.8M | 296% | $7.9M |
| Q4 2025 | $772.5M | $141.8M | $95.9M | 279% | $6.5M |
| Q3 2025 | $761.6M | $166.7M | $90.6M | 289% | $5.7M |
| Q2 2025 | $741.9M | $145.4M | $87.2M | 281% | $5.2M |
| Q1 2025 | $719.9M | $134.6M | $84.9M | 273% | $4.1M |
| Q4 2024 | $703.6M | $118.2M | $81.3M | 271% | $4.6M |
| Q3 2024 | $733.6M | $105.1M | $112.8M | 283% | $2.9M |
| Q2 2024 | $715.0M | $146.3M | $95.5M | 278% | $3.3M |
Signals
Recent news
- Citizens Bank exec Mark Lehmann makes no apologies for San Francisco - The Business Journals — Coverage of Citizens Bank related to commercial real estate and lending reported by bizjournals.com.Aug 21, 2026
- First Citizens Bank & Trust Expands San Diego Office Footprint - CommercialCafe — Coverage of Citizens Bank related to commercial real estate and lending reported by commercialcafe.com.Aug 14, 2026
- Revman International Secures $87MM from First Citizens Bank - ABF Journal — Coverage of Citizens Bank related to commercial real estate and lending reported by abfjournal.com.Aug 13, 2026
- Revman International Secures $87 million from First Citizens Bank - PR Newswire — Coverage of Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Aug 12, 2026
- First Citizens Bank Acquires 2 Office Buildings - CommercialSearch — Coverage of Citizens Bank related to M&A activity reported by commercialsearch.com.Jul 31, 2026
- First Citizens Bank Expands San Diego Presence With Office Building Acquisition - citybiz — Coverage of Citizens Bank related to M&A activity reported by citybiz.co.Jul 30, 2026
- First Citizens Bank Purchases Office Buildings in San Diego - PR Newswire — Coverage of Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Jul 30, 2026
- Citizens Bank Refis N.J. Industrial Property With $47M Loan - Commercial Observer — Coverage of Citizens Bank related to lending reported by commercialobserver.com.Jul 28, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank IowaCommunity Bank · West Des Moines · $835.8M CRE book
- First National BankCommunity Bank · Fort Pierre · $839.3M CRE book
- American Riviera BankCommunity Bank · Santa Barbara · $786.1M CRE book
- Community National BankCommunity Bank · Midland · $780.4M CRE book
- The Fidelity Deposit and Discount BankCommunity Bank · Dunmore · $865.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.