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
Recorded CRE activity — dallas County
1 commercial deed of trust recorded recently, verified from county records.
- Jun 23, 2026 · unknownundisclosed
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 4.87% (1.96pp 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.
For a current market estimate for your property, use the terms estimator →
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 |
Citizens National Bank of Texas: frequently asked questions
- How large is Citizens National Bank of Texas's commercial real estate loan book?
- As of Q1 2026, Citizens National Bank of Texas reported $1.2B in commercial real estate loans out of $2.1B in total assets, per its FFIEC Call Report.
- Is Citizens National Bank of Texas above the 300% CRE concentration guideline?
- Citizens National Bank of Texas's CRE loans stood at 222% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Citizens National Bank of Texas growing or shrinking its CRE lending?
- Citizens National Bank of Texas's CRE loan book grew 4.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Citizens National Bank of Texas in recorded CRE lending?
- 1 commercial deed of trust naming Citizens National Bank of Texas as lender has been recorded recently in dallas County, verified from county records; the most recent was recorded Jun 23, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Carrollton BankCommunity Bank · Carrollton · $1.2B CRE book
- Northbrook Bank and Trust Company, National AssociationCommunity Bank · Northbrook · $1.1B 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
Markets where Citizens National Bank of Texas lends
Citizens National Bank of Texas has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.