TN lenders / Community Bank
Citizens Savings Bank and Trust Company
Community Bank · Nashville, TN · Csb&T Bcorp Inc
- Total assets
- $185.8M
- CRE loan book
- $51.2M
- QoQ CRE growth
- -4.0%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 7, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.32% as of Q1 2026 — TX bank median 4.87% (1.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.32% | 6.39% |
| Q4 2025 | 6.75% | 6.87% |
| Q3 2025 | 6.41% | 6.50% |
| Q2 2025 | 6.40% | 6.42% |
| Q1 2025 | 6.23% | 6.33% |
| Q4 2024 | 6.21% | 6.31% |
| Q3 2024 | 6.53% | 6.58% |
| Q2 2024 | 6.20% | 6.42% |
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 | $51.2M | $9.7M | $3.8M | 118% | $1.7M |
| Q4 2025 | $53.4M | $9.2M | $3.8M | 127% | $2.0M |
| Q3 2025 | $54.1M | $7.8M | $4.1M | 128% | $2.0M |
| Q2 2025 | $59.1M | $9.9M | $4.6M | 141% | $1.6M |
| Q1 2025 | $60.8M | $10.3M | $4.6M | 142% | $1.6M |
| Q4 2024 | $62.8M | $9.9M | $6.0M | 144% | $1.5M |
| Q3 2024 | $67.1M | $14.5M | $4.7M | 169% | $0 |
| Q2 2024 | $69.6M | $14.4M | $4.7M | 169% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of ClarksonCommunity Bank · Clarkson · $51.2M CRE book
- The Portage County BankCommunity Bank · Almond · $51.4M CRE book
- Commercial Bank and Trust of PACommunity Bank · Latrobe · $51.4M CRE book
- FBT Bank & MortgageCommunity Bank · Fordyce · $50.9M CRE book
- Iron Workers Savings BankCommunity Bank · Aston · $51.6M CRE book
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Markets where Citizens Savings Bank and Trust Company lends
Citizens Savings Bank and Trust Company has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Aug 7, 2026 · Sources: FFIEC CDR, county records, first-party conversations.