TX lenders / Community Bank
Citizens State Bank
Community Bank · Miles, TX · Csb Financial Corp
- Total assets
- $280.5M
- CRE loan book
- $48.5M
- QoQ CRE growth
- -4.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.97% as of Q1 2026 — TX bank median 6.76% (0.21pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.97% | 7.20% |
| Q4 2025 | 6.94% | 7.26% |
| Q3 2025 | 7.01% | 7.39% |
| Q2 2025 | 6.96% | 7.38% |
| Q1 2025 | 6.76% | 7.29% |
| Q4 2024 | 6.71% | 7.32% |
| Q3 2024 | 6.59% | 7.26% |
| Q2 2024 | 6.35% | 7.04% |
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 | $48.5M | $21.7M | $476,000 | 126% | $902,000 |
| Q4 2025 | $50.7M | $22.8M | $81,000 | 138% | $1.1M |
| Q3 2025 | $47.4M | $20.9M | $85,000 | 134% | $0 |
| Q2 2025 | $47.2M | $22.0M | $91,000 | 75% | $0 |
| Q1 2025 | $47.9M | $20.9M | $93,000 | 73% | $0 |
| Q4 2024 | $47.7M | $18.0M | $96,000 | 65% | $0 |
| Q3 2024 | $40.0M | $14.5M | $100,000 | 54% | $0 |
| Q2 2024 | $39.2M | $14.9M | $102,000 | 57% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of Yazoo CityCommunity Bank · Yazoo City · $48.5M CRE book
- F & M Community Bank, National AssociationCommunity Bank · Preston · $48.5M CRE book
- The Payne County BankCommunity Bank · Perkins · $48.6M CRE book
- Texas Advantage Community Bank, National AssociationCommunity Bank · Alvin · $48.3M CRE book
- Peoples State BankCommunity Bank · Shepherd · $49.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.