TX lenders / Community Bank
Austin County State Bank
Community Bank · Bellville, TX · Austin County Bancshares Inc
- Total assets
- $510.7M
- CRE loan book
- $119.8M
- QoQ CRE growth
- 1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.32% as of Q1 2026 — TX bank median 6.76% (0.56pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.32% | 7.33% |
| Q4 2025 | 7.57% | 7.61% |
| Q3 2025 | 7.22% | 7.46% |
| Q2 2025 | 7.13% | 7.52% |
| Q1 2025 | 6.93% | 7.29% |
| Q4 2024 | 7.04% | 7.50% |
| Q3 2024 | 6.90% | 7.58% |
| Q2 2024 | 6.38% | 7.16% |
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 | $119.8M | $43.0M | $2.1M | 123% | $0 |
| Q4 2025 | $117.7M | $42.4M | $1.9M | 119% | $0 |
| Q3 2025 | $111.5M | $38.7M | $1.9M | 119% | $0 |
| Q2 2025 | $103.7M | $36.1M | $2.0M | 115% | $0 |
| Q1 2025 | $100.5M | $32.8M | $2.0M | 115% | $0 |
| Q4 2024 | $95.2M | $34.8M | $2.1M | 111% | $0 |
| Q3 2024 | $92.9M | $34.4M | $1.7M | 106% | $310,000 |
| Q2 2024 | $92.5M | $33.5M | $1.9M | 111% | $325,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Savings BankCommunity Bank · Circleville · $120.6M CRE book
- Citizens Bank of AmericusCommunity Bank · Americus · $122.4M CRE book
- Chickasaw Community BankCommunity Bank · Oklahoma City · $122.8M CRE book
- Greenville National BankCommunity Bank · Greenville · $123.0M CRE book
- Cattaraugus County BankCommunity Bank · Little Valley · $116.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.