TX lenders / Community Bank
Carmine State Bank
Community Bank · Carmine, TX
- Total assets
- $145.3M
- CRE loan book
- $4.2M
- QoQ CRE growth
- 11.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.53% as of Q1 2026 — TX bank median 6.76% (1.23pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.53% | 6.22% |
| Q4 2025 | 6.53% | 6.93% |
| Q3 2025 | 6.47% | 6.87% |
| Q2 2025 | 6.35% | 6.82% |
| Q1 2025 | 6.22% | 6.65% |
| Q4 2024 | 6.26% | 6.88% |
| Q3 2024 | 6.25% | 6.73% |
| Q2 2024 | 5.79% | 6.32% |
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 | $4.2M | $1.7M | $0 | 11% | $0 |
| Q4 2025 | $3.8M | $1.3M | $0 | 8% | $0 |
| Q3 2025 | $3.6M | $1.0M | $0 | 7% | $0 |
| Q2 2025 | $4.3M | $1.7M | $0 | 12% | $0 |
| Q1 2025 | $4.0M | $2.0M | $0 | 14% | $0 |
| Q4 2024 | $3.6M | $1.5M | $0 | 11% | $0 |
| Q3 2024 | $3.4M | $1.3M | $0 | 9% | $0 |
| Q2 2024 | $3.3M | $1.2M | $0 | 9% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Johnson State BankCommunity Bank · Johnson · $4.3M CRE book
- State Bank of IndustryCommunity Bank · Industry · $4.3M CRE book
- Haskell National BankCommunity Bank · Haskell · $4.3M CRE book
- Columbus State BankCommunity Bank · Columbus · $4.3M CRE book
- Camp Grove State BankCommunity Bank · Camp Grove · $4.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.