TX lenders / Community Bank
Bandera Bank
Community Bank · Bandera, TX · Bandera Bancshares Inc
- Total assets
- $94.4M
- CRE loan book
- $13.7M
- QoQ CRE growth
- -0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.00% as of Q1 2026 — TX bank median 6.76% (0.24pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.00% | 7.32% |
| Q4 2025 | 6.87% | 7.23% |
| Q3 2025 | 6.89% | 7.20% |
| Q2 2025 | 6.82% | 7.21% |
| Q1 2025 | 6.59% | 6.97% |
| Q4 2024 | 6.77% | 7.12% |
| Q3 2024 | 6.61% | 6.98% |
| Q2 2024 | 6.34% | 6.72% |
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 | $13.7M | $6.0M | $0 | 90% | $0 |
| Q4 2025 | $13.8M | $6.2M | $0 | 95% | $0 |
| Q3 2025 | $15.4M | $7.8M | $0 | 109% | $0 |
| Q2 2025 | $15.2M | $7.8M | $0 | 111% | $0 |
| Q1 2025 | $13.9M | $7.0M | $0 | 100% | $0 |
| Q4 2024 | $14.1M | $6.9M | $0 | 102% | $0 |
| Q3 2024 | $13.7M | $7.0M | $0 | 99% | $0 |
| Q2 2024 | $13.1M | $5.7M | $0 | 90% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Liberty Trust & Savings BankCommunity Bank · Durant · $13.6M CRE book
- Black River Country BankCommunity Bank · Black River Falls · $13.6M CRE book
- Bank 1stCommunity Bank · West Union · $13.5M CRE book
- The Citizens State Bank and Trust CompanyCommunity Bank · Council Grove · $13.8M CRE book
- Silex Banking CompanyCommunity Bank · Silex · $13.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.