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
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 6.76% (0.19pp below 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.
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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
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.
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.
- First State BankCommunity Bank · Waynesboro · $251.6M CRE book
- Pioneer Bank & TrustCommunity Bank · Belle Fourche · $254.4M CRE book
- Merchants & Marine BankCommunity Bank · Pascagoula · $249.4M CRE book
- First State Bank NebraskaCommunity Bank · Lincoln · $254.6M CRE book
- United Southern BankCommunity Bank · Umatilla · $256.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.