TX lenders / Community Bank
Citizens State Bank of Luling
Community Bank · Luling, TX · Spector Holdings Mgnt L L C
- Total assets
- $63.9M
- CRE loan book
- $37.1M
- QoQ CRE growth
- -2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.45% as of Q1 2026 — TX bank median 6.76% (0.30pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.45% | 6.62% |
| Q4 2025 | 7.12% | 7.31% |
| Q3 2025 | 7.12% | 7.27% |
| Q2 2025 | 6.71% | 7.01% |
| Q1 2025 | 6.68% | 6.84% |
| Q4 2024 | 7.12% | 7.55% |
| Q3 2024 | 6.25% | 6.49% |
| Q2 2024 | 6.01% | 6.14% |
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 | $37.1M | $2.6M | $1.9M | 161% | $2.9M |
| Q4 2025 | $38.0M | $2.5M | $1.9M | 173% | $0 |
| Q3 2025 | $38.2M | $1.3M | $1.9M | 179% | $53,000 |
| Q2 2025 | $42.3M | $2.3M | $1.9M | 205% | $0 |
| Q1 2025 | $40.2M | $800,000 | $2.0M | 196% | $0 |
| Q4 2024 | $39.5M | $1.9M | $2.0M | 195% | $0 |
| Q3 2024 | $38.3M | $4.2M | $2.0M | 223% | $0 |
| Q2 2024 | $36.2M | $2.7M | $2.0M | 212% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Blue Grass Savings BankCommunity Bank · Blue Grass · $37.0M CRE book
- Petefish, Skiles & Co.Community Bank · Virginia · $37.3M CRE book
- Hometown Community BankCommunity Bank · Cyrus · $37.4M CRE book
- Pine River State BankCommunity Bank · Pine River · $37.5M CRE book
- DeMotte State BankCommunity Bank · Demotte · $37.5M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.