TX lenders / Community Bank
Citizens National Bank at Brownwood
Community Bank · Brownwood, TX · Brownwood Bancshares Inc
- Total assets
- $296.0M
- CRE loan book
- $27.8M
- QoQ CRE growth
- 18.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.96% as of Q1 2026 — TX bank median 6.76% (0.20pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.96% | 7.27% |
| Q4 2025 | 7.42% | 7.84% |
| Q3 2025 | 7.81% | 7.84% |
| Q2 2025 | 7.46% | 7.53% |
| Q1 2025 | 7.39% | 7.68% |
| Q4 2024 | 7.51% | 7.79% |
| Q3 2024 | 7.42% | 7.56% |
| Q2 2024 | 7.28% | 7.50% |
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 | $27.8M | $8.1M | $88,000 | 52% | $215,000 |
| Q4 2025 | $23.6M | $7.1M | $90,000 | 47% | $228,000 |
| Q3 2025 | $24.7M | $5.7M | $91,000 | 49% | $0 |
| Q2 2025 | $28.4M | $9.0M | $93,000 | 61% | $0 |
| Q1 2025 | $28.0M | $13.0M | $95,000 | 64% | $0 |
| Q4 2024 | $27.0M | $11.6M | $96,000 | 61% | $0 |
| Q3 2024 | $31.0M | $13.1M | $1.9M | 70% | $0 |
| Q2 2024 | $30.9M | $12.8M | $2.0M | 70% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Exchange Bank and Trust Company, Natchitoches, LouisianaCommunity Bank · Natchitoches · $28.1M CRE book
- TrustTexas Bank, SSBCommunity Bank · Cuero · $27.5M CRE book
- Patterson State BankCommunity Bank · Patterson · $28.1M CRE book
- The Seymour BankCommunity Bank · Seymour · $27.4M CRE book
- Conservation First BankCommunity Bank · Benton · $27.4M CRE book
See all alternatives to Citizens National Bank at Brownwood →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.