TX lenders / Community Bank
Citizens National Bank of Texas
Community Bank · Waxahachie, TX · First Citizens Bancshares Inc
- Total assets
- $2.1B
- CRE loan book
- $1.2B
- QoQ CRE growth
- 4.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.83% as of Q1 2026 — TX bank median 6.76% (0.07pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.83% | 6.92% |
| Q4 2025 | 7.09% | 7.19% |
| Q3 2025 | 6.91% | 7.03% |
| Q2 2025 | 7.01% | 7.06% |
| Q1 2025 | 6.70% | 6.80% |
| Q4 2024 | 6.74% | 6.84% |
| Q3 2024 | 6.59% | 6.70% |
| Q2 2024 | 6.33% | 6.45% |
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 | $1.2B | $239.9M | $108.3M | 222% | $11.8M |
| Q4 2025 | $1.1B | $238.2M | $103.0M | 209% | $15.6M |
| Q3 2025 | $1.1B | $218.4M | $101.9M | 225% | $16.2M |
| Q2 2025 | $1.1B | $197.6M | $101.7M | 227% | $11.5M |
| Q1 2025 | $1.1B | $229.3M | $105.9M | 242% | $1.5M |
| Q4 2024 | $1.1B | $208.3M | $107.2M | 241% | $3.9M |
| Q3 2024 | $1.0B | $193.1M | $107.8M | 236% | $3.5M |
| Q2 2024 | $983.0M | $188.3M | $82.1M | 216% | $3.6M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Carrollton BankCommunity Bank · Carrollton · $1.2B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.