TX lenders / Community Bank
Citizens Bank
Community Bank · Kilgore, TX · East Texas Financial Corp
- Total assets
- $495.1M
- CRE loan book
- $252.0M
- QoQ CRE growth
- 4.8%
- Q1 2026
Recorded CRE activity — oh-franklin County
9 commercial deeds of trust recorded recently, verified from county records.
- Jul 31, 2026 · landundisclosed
- Jul 16, 2026 · unknownundisclosed
- Jul 15, 2026 · unknownundisclosed
- Jul 15, 2026 · unknownundisclosed
- Jul 13, 2026 · unknownundisclosed
- Jul 10, 2026 · unknownundisclosed
- Jul 9, 2026 · unknownundisclosed
- Jun 24, 2026 · unknownundisclosed
- Jun 18, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.57% as of Q1 2026 — TX bank median 4.87% (1.71pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.57% | 6.67% |
| Q4 2025 | 7.18% | 7.16% |
| Q3 2025 | 6.64% | 6.75% |
| Q2 2025 | 6.71% | 9.05% |
| Q1 2025 | 6.29% | 6.55% |
| Q4 2024 | 6.50% | 6.57% |
| Q3 2024 | 6.53% | 6.76% |
| Q2 2024 | 6.18% | 6.37% |
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 | $252.0M | $68.6M | $16.3M | 510% | $101,000 |
| Q4 2025 | $240.3M | $56.4M | $16.5M | 229% | $113,000 |
| Q3 2025 | $239.9M | $54.2M | $17.3M | 230% | $118,000 |
| Q2 2025 | $229.3M | $50.1M | $17.5M | 218% | $126,000 |
| Q1 2025 | $209.5M | $38.9M | $17.6M | 189% | $134,000 |
| Q4 2024 | $212.6M | $37.3M | $17.8M | 190% | $146,000 |
| Q3 2024 | $204.3M | $38.2M | $15.3M | 185% | $154,000 |
| Q2 2024 | $202.8M | $40.8M | $13.1M | 187% | $184,000 |
Signals
Recent news
- Citizens Bank exec Mark Lehmann makes no apologies for San Francisco - The Business Journals — Coverage of Citizens Bank related to commercial real estate and lending reported by bizjournals.com.Aug 21, 2026
- First Citizens Bank & Trust Expands San Diego Office Footprint - CommercialCafe — Coverage of Citizens Bank related to commercial real estate and lending reported by commercialcafe.com.Aug 14, 2026
- Revman International Secures $87MM from First Citizens Bank - ABF Journal — Coverage of Citizens Bank related to commercial real estate and lending reported by abfjournal.com.Aug 13, 2026
- Revman International Secures $87 million from First Citizens Bank - PR Newswire — Coverage of Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Aug 12, 2026
- First Citizens Bank Acquires 2 Office Buildings - CommercialSearch — Coverage of Citizens Bank related to M&A activity reported by commercialsearch.com.Jul 31, 2026
- First Citizens Bank Expands San Diego Presence With Office Building Acquisition - citybiz — Coverage of Citizens Bank related to M&A activity reported by citybiz.co.Jul 30, 2026
- First Citizens Bank Purchases Office Buildings in San Diego - PR Newswire — Coverage of Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Jul 30, 2026
- Citizens Bank Refis N.J. Industrial Property With $47M Loan - Commercial Observer — Coverage of Citizens Bank related to lending reported by commercialobserver.com.Jul 28, 2026
Citizens Bank: frequently asked questions
- How large is Citizens Bank's commercial real estate loan book?
- As of Q1 2026, Citizens Bank reported $252.0M in commercial real estate loans out of $495.1M in total assets, per its FFIEC Call Report.
- Is Citizens Bank above the 300% CRE concentration guideline?
- Citizens Bank's CRE loans stood at 510% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Citizens Bank growing or shrinking its CRE lending?
- Citizens Bank's CRE loan book grew 4.8% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Citizens Bank in recorded CRE lending?
- 9 commercial deeds of trust naming Citizens Bank as lender have been recorded recently in oh-franklin County, verified from county records; the most recent was recorded Jul 31, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Merchants & Marine BankCommunity Bank · Pascagoula · $249.4M CRE book
- First State Bank NebraskaCommunity Bank · Lincoln · $254.6M CRE book
- FCN Bank, National AssociationCommunity Bank · Brookville · $256.5M CRE book
- City State BankCommunity Bank · Norwalk · $256.6M CRE book
- Farmers Bank and Trust CompanyCommunity Bank · Marion · $243.7M CRE book
Markets where Citizens Bank lends
Citizens Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 31, 2026 · Sources: FFIEC CDR, county records, first-party conversations.