TX lenders / Community Bank
Cendera Bank
Community Bank · Bells, TX · Cendera Financial Holdings Inc
- Total assets
- $228.9M
- CRE loan book
- $83.8M
- QoQ CRE growth
- 3.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.39% as of Q1 2026 — TX bank median 6.76% (0.63pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.39% | 7.51% |
| Q4 2025 | 7.63% | 7.71% |
| Q3 2025 | 7.84% | 7.99% |
| Q2 2025 | 7.88% | 8.00% |
| Q1 2025 | 7.45% | 7.70% |
| Q4 2024 | 7.71% | 7.81% |
| Q3 2024 | 7.44% | 7.66% |
| Q2 2024 | 7.43% | 7.75% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $83.8M | $29.1M | $2.0M | 250% | $0 |
| Q4 2025 | $81.3M | $20.2M | $2.0M | 238% | $0 |
| Q3 2025 | $90.4M | $21.0M | $2.0M | 259% | $173,000 |
| Q2 2025 | $83.1M | $21.0M | $2.0M | 240% | $676,000 |
| Q1 2025 | $87.1M | $25.0M | $0 | 266% | $745,000 |
| Q4 2024 | $78.7M | $25.4M | $0 | 239% | $752,000 |
| Q3 2024 | $74.6M | $21.3M | $2.4M | 217% | $66,000 |
| Q2 2024 | $72.0M | $23.9M | $2.4M | 210% | $66,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- F&M BankCommunity Bank · West Point · $83.3M CRE book
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- GNB BankCommunity Bank · Grundy Center · $83.0M CRE book
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.