TX lenders / Community Bank
Citizens State Bank
Community Bank · Sealy, TX
- Total assets
- $507.5M
- CRE loan book
- $72.0M
- QoQ CRE growth
- 7.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.05% as of Q1 2026 — TX bank median 6.76% (0.71pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.05% | 6.15% |
| Q4 2025 | 6.19% | 6.29% |
| Q3 2025 | 6.11% | 6.21% |
| Q2 2025 | 5.98% | 6.10% |
| Q1 2025 | 5.83% | 5.95% |
| Q4 2024 | 5.93% | 6.08% |
| Q3 2024 | 5.81% | 5.99% |
| Q2 2024 | 5.70% | 5.84% |
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 | $72.0M | $45.0M | $389,000 | 99% | $0 |
| Q4 2025 | $67.0M | $41.8M | $394,000 | 97% | $0 |
| Q3 2025 | $65.5M | $40.1M | $398,000 | 94% | $0 |
| Q2 2025 | $62.7M | $38.0M | $402,000 | 93% | $0 |
| Q1 2025 | $58.2M | $35.2M | $406,000 | 89% | $0 |
| Q4 2024 | $52.2M | $35.7M | $410,000 | 82% | $0 |
| Q3 2024 | $57.7M | $40.0M | $414,000 | 89% | $0 |
| Q2 2024 | $63.1M | $45.5M | $418,000 | 103% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Greater State BankCommunity Bank · Mcallen · $72.8M CRE book
- The Peoples BankCommunity Bank · Ripley · $72.8M CRE book
- Peoples State Bank of MunisingCommunity Bank · Munising · $69.6M CRE book
- Hoosier Heartland State BankCommunity Bank · Crawfordsville · $69.6M CRE book
- The Bank of KaukaunaCommunity Bank · Kaukauna · $69.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.