TX lenders / Community Bank
Ciera Bank
Community Bank · Graham, TX · First Graham Bcorp Inc
- Total assets
- $969.6M
- CRE loan book
- $500.4M
- QoQ CRE growth
- 2.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.86% as of Q1 2026 — TX bank median 6.76% (0.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.86% | 7.17% |
| Q4 2025 | 7.09% | 7.47% |
| Q3 2025 | 7.08% | 7.58% |
| Q2 2025 | 7.09% | 7.48% |
| Q1 2025 | 6.92% | 7.21% |
| Q4 2024 | 7.21% | 7.49% |
| Q3 2024 | 7.22% | 7.77% |
| Q2 2024 | 7.19% | 7.52% |
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 | $500.4M | $159.4M | $8.3M | 324% | $9.2M |
| Q4 2025 | $488.1M | $146.0M | $8.3M | 318% | $9.4M |
| Q3 2025 | $499.8M | $155.7M | $8.9M | 317% | $8.5M |
| Q2 2025 | $486.1M | $177.5M | $8.9M | 305% | $9.1M |
| Q1 2025 | $465.8M | $190.6M | $9.0M | 298% | $15.9M |
| Q4 2024 | $462.1M | $171.1M | $9.1M | 297% | $16.0M |
| Q3 2024 | $467.0M | $176.0M | $9.1M | 314% | $564,000 |
| Q2 2024 | $443.7M | $189.4M | $9.1M | 333% | $579,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- American Bank of FreedomCommunity Bank · Wellsville · $493.6M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- Cass Commercial BankCommunity Bank · Des Peres · $508.8M CRE book
- Farmers State BankCommunity Bank · Marion · $512.6M CRE book
- Dundee BankCommunity Bank · Omaha · $515.7M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.