TX lenders / Community Bank
Citizens National Bank
Community Bank · Crockett, TX · Citizens Bcorp Inc
- Total assets
- $105.9M
- CRE loan book
- $9.7M
- QoQ CRE growth
- 8.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.31% as of Q1 2026 — TX bank median 6.76% (0.44pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.31% | 6.91% |
| Q4 2025 | 5.83% | 6.73% |
| Q3 2025 | 6.24% | 6.94% |
| Q2 2025 | 6.06% | 6.85% |
| Q1 2025 | 6.09% | 7.04% |
| Q4 2024 | 6.12% | 6.89% |
| Q3 2024 | 6.19% | 7.71% |
| Q2 2024 | 5.90% | 6.94% |
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 | $9.7M | $2.0M | $644,000 | 26% | $0 |
| Q4 2025 | $9.0M | $2.1M | $687,000 | 20% | $0 |
| Q3 2025 | $7.3M | $0 | $934,000 | 7% | $0 |
| Q2 2025 | $7.9M | $102,000 | $971,000 | 8% | $0 |
| Q1 2025 | $8.2M | $250,000 | $1.0M | 10% | $0 |
| Q4 2024 | $8.1M | $0 | $1.0M | 8% | $0 |
| Q3 2024 | $7.3M | $0 | $503,000 | 4% | $0 |
| Q2 2024 | $7.7M | $0 | $519,000 | 5% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.