TX lenders / Community Bank
Citizens State Bank
Community Bank · Somerville, TX · C S B Bancshares Inc
- Total assets
- $1.2B
- CRE loan book
- $305.9M
- QoQ CRE growth
- 2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.85% as of Q1 2026 — TX bank median 6.76% (0.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.85% | 7.35% |
| Q4 2025 | 6.88% | 7.49% |
| Q3 2025 | 6.85% | 7.57% |
| Q2 2025 | 6.63% | 7.30% |
| Q1 2025 | 6.79% | 7.49% |
| Q4 2024 | 6.67% | 7.35% |
| Q3 2024 | 6.52% | 7.25% |
| Q2 2024 | 6.32% | 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 | $305.9M | $56.5M | $2.1M | 108% | $5.9M |
| Q4 2025 | $298.2M | $56.5M | $2.1M | 109% | $4.3M |
| Q3 2025 | $293.9M | $57.2M | $2.2M | 108% | $1.9M |
| Q2 2025 | $294.2M | $56.8M | $2.0M | 113% | $1.4M |
| Q1 2025 | $290.6M | $60.8M | $776,000 | 115% | $1.6M |
| Q4 2024 | $274.4M | $50.1M | $805,000 | 107% | $2.3M |
| Q3 2024 | $270.8M | $44.8M | $2.8M | 106% | $2.3M |
| Q2 2024 | $268.7M | $44.2M | $2.9M | 108% | $2.7M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Newfield National BankCommunity Bank · Newfield · $304.9M CRE book
- Hiawatha National BankCommunity Bank · Hager City · $307.1M CRE book
- Walden Savings BankCommunity Bank · Montgomery · $303.7M CRE book
- American State BankCommunity Bank · Arp · $309.3M CRE book
- Bank of LuxemburgCommunity Bank · Luxemburg · $299.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.