TX lenders / Community Bank
Citizens State Bank
Community Bank · Corrigan, TX · Citizens State Financial Corp
- Total assets
- $189.9M
- CRE loan book
- $12.1M
- QoQ CRE growth
- -15.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.39% as of Q1 2026 — TX bank median 6.76% (0.36pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.39% | 7.64% |
| Q4 2025 | 6.42% | 7.59% |
| Q3 2025 | 6.30% | 7.52% |
| Q2 2025 | 6.17% | 7.51% |
| Q1 2025 | 5.93% | 7.33% |
| Q4 2024 | 5.87% | 7.39% |
| Q3 2024 | 5.72% | 7.29% |
| Q2 2024 | 5.58% | 7.13% |
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 | $12.1M | $911,000 | $0 | 28% | $23,000 |
| Q4 2025 | $14.3M | $2.7M | $0 | 38% | $0 |
| Q3 2025 | $13.6M | $1.9M | $0 | 35% | $0 |
| Q2 2025 | $12.9M | $1.4M | $0 | 34% | $0 |
| Q1 2025 | $15.7M | $4.0M | $0 | 46% | $0 |
| Q4 2024 | $14.5M | $3.5M | $0 | 47% | $0 |
| Q3 2024 | $14.1M | $2.9M | $0 | 45% | $0 |
| Q2 2024 | $14.2M | $2.1M | $0 | 44% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants State Bank, Bloomfield, NebraskaCommunity Bank · Bloomfield · $12.1M CRE book
- Red River State BankCommunity Bank · Halstad · $12.1M CRE book
- First National Bank in PinckneyvilleCommunity Bank · Pinckneyville · $12.2M CRE book
- Iowa Trust and Savings BankCommunity Bank · Centerville · $11.9M CRE book
- Flat Branch BankCommunity Bank · Richmond · $12.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.