TN lenders / Community Bank
Heritage Bank & Trust
Community Bank · Columbia, TN · Heritage Financial Corp
- Total assets
- $417.9M
- CRE loan book
- $161.6M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.54% as of Q1 2026 — TX bank median 4.87% (1.68pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.54% | 6.64% |
| Q4 2025 | 6.52% | 6.63% |
| Q3 2025 | 6.76% | 6.87% |
| Q2 2025 | 6.61% | 6.71% |
| Q1 2025 | 6.38% | 6.51% |
| Q4 2024 | 6.46% | 6.60% |
| Q3 2024 | 6.62% | 6.76% |
| Q2 2024 | 6.42% | 6.54% |
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 | $161.6M | $36.5M | $5.4M | 263% | $1.3M |
| Q4 2025 | $160.2M | $37.9M | $5.3M | 274% | $1.3M |
| Q3 2025 | $136.5M | $35.2M | $3.0M | 243% | $1.3M |
| Q2 2025 | $131.1M | $33.0M | $3.0M | 246% | $1.3M |
| Q1 2025 | $128.2M | $31.7M | $2.0M | 243% | $988,000 |
| Q4 2024 | $128.4M | $33.3M | $2.1M | 260% | $1.8M |
| Q3 2024 | $120.7M | $34.0M | $2.1M | 248% | $16,000 |
| Q2 2024 | $119.4M | $34.5M | $2.1M | 238% | $16,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Southwest Capital BankCommunity Bank · Albuquerque · $160.5M CRE book
- Little Horn State BankCommunity Bank · Hardin · $160.3M CRE book
- Lakeside BankCommunity Bank · Lake Charles · $159.8M CRE book
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- First State Bank of TexasCommunity Bank · Orange · $159.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.