TX lenders / Community Bank
Citizens 1st Bank
Community Bank · Tyler, TX
- Total assets
- $828.4M
- CRE loan book
- $366.3M
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.41% as of Q1 2026 — TX bank median 6.76% (0.35pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.41% | 6.41% |
| Q4 2025 | 6.44% | 6.42% |
| Q3 2025 | 6.35% | 6.36% |
| Q2 2025 | 6.19% | 6.23% |
| Q1 2025 | 6.15% | 6.14% |
| Q4 2024 | 6.42% | 6.39% |
| Q3 2024 | 6.21% | 6.18% |
| Q2 2024 | 6.18% | 6.17% |
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 | $366.3M | $72.7M | $53.1M | 199% | $3.0M |
| Q4 2025 | $363.3M | $82.2M | $48.2M | 201% | $2.7M |
| Q3 2025 | $357.1M | $76.9M | $48.4M | 196% | $6.8M |
| Q2 2025 | $342.1M | $78.7M | $30.8M | 190% | $6.9M |
| Q1 2025 | $325.5M | $78.1M | $30.7M | 183% | $3.1M |
| Q4 2024 | $327.8M | $79.2M | $30.8M | 187% | $3.2M |
| Q3 2024 | $296.1M | $74.8M | $31.2M | 167% | $3.2M |
| Q2 2024 | $296.6M | $71.7M | $31.6M | 170% | $3.2M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers & Merchants BankCommunity Bank · Berlin · $362.0M CRE book
- Wood & Huston BankCommunity Bank · Marshall · $359.8M CRE book
- First State Bank of UvaldeCommunity Bank · Uvalde · $373.9M CRE book
- First Liberty BankCommunity Bank · Oklahoma City · $358.0M CRE book
- Greenfield Banking CompanyCommunity Bank · Greenfield · $374.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.