TX lenders / Community Bank
Citizens National Bank of Crosbyton
Community Bank · Crosbyton, TX · Citizens Bancshares Inc
- Total assets
- $77.9M
- CRE loan book
- $4.4M
- QoQ CRE growth
- 75.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.87% as of Q1 2026 — TX bank median 6.76% (1.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.87% | 7.34% |
| Q4 2025 | 8.26% | 7.77% |
| Q3 2025 | 7.74% | 8.10% |
| Q2 2025 | 8.23% | 8.46% |
| Q1 2025 | 8.35% | 7.68% |
| Q4 2024 | 8.45% | 8.80% |
| Q3 2024 | 8.44% | 8.72% |
| Q2 2024 | 8.60% | 8.68% |
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 | $4.4M | $0 | $0 | 33% | $0 |
| Q4 2025 | $2.5M | $0 | $0 | 19% | $0 |
| Q3 2025 | $2.5M | $0 | $0 | 20% | $0 |
| Q2 2025 | $3.1M | $0 | $0 | 25% | $0 |
| Q1 2025 | $3.2M | $0 | $0 | 25% | $0 |
| Q4 2024 | $3.2M | $0 | $0 | 26% | $0 |
| Q3 2024 | $3.3M | $0 | $0 | 27% | $0 |
| Q2 2024 | $3.0M | $0 | $0 | 26% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Camp Grove State BankCommunity Bank · Camp Grove · $4.3M CRE book
- Columbus State BankCommunity Bank · Columbus · $4.3M CRE book
- Farmers State Bank of CantonCommunity Bank · Canton · $4.4M CRE book
- Haskell National BankCommunity Bank · Haskell · $4.3M CRE book
- State Bank of IndustryCommunity Bank · Industry · $4.3M CRE book
See all alternatives to Citizens National Bank of Crosbyton →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.