TX lenders / Community Bank
Citizens National Bank
Community Bank · Cameron, TX · Central Texas Financial Corp
- Total assets
- $668.0M
- CRE loan book
- $291.1M
- QoQ CRE growth
- -0.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.21% as of Q1 2026 — TX bank median 6.76% (0.55pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.21% | 6.26% |
| Q4 2025 | 6.19% | 6.25% |
| Q3 2025 | 6.01% | 6.10% |
| Q2 2025 | 6.03% | 6.13% |
| Q1 2025 | 5.57% | 5.69% |
| Q4 2024 | 5.63% | 5.73% |
| Q3 2024 | 5.51% | 5.64% |
| Q2 2024 | 5.37% | 5.52% |
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 | $291.1M | $18.6M | $22.6M | 255% | $0 |
| Q4 2025 | $291.9M | $16.4M | $22.8M | 263% | $0 |
| Q3 2025 | $295.6M | $26.8M | $23.1M | 279% | $0 |
| Q2 2025 | $291.8M | $24.2M | $23.4M | 285% | $0 |
| Q1 2025 | $284.5M | $19.0M | $23.6M | 288% | $239,000 |
| Q4 2024 | $286.1M | $23.9M | $23.7M | 300% | $239,000 |
| Q3 2024 | $283.0M | $24.9M | $24.2M | 306% | $238,000 |
| Q2 2024 | $285.2M | $22.5M | $24.5M | 312% | $247,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Bank of Fayette CountyCommunity Bank · Piperton · $292.3M CRE book
- Central Penn Bank & TrustCommunity Bank · Mifflinburg · $289.7M CRE book
- United Bank of UnionCommunity Bank · Union · $289.1M CRE book
- United Prairie BankCommunity Bank · Mountain Lake · $288.9M CRE book
- Watertown Savings BankCommunity Bank · Watertown · $287.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.