TX lenders / Community Bank
Citizens State Bank
Community Bank · Woodville, TX · Grahamjb6 Co
- Total assets
- $478.4M
- CRE loan book
- $217.7M
- QoQ CRE growth
- 1.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.39% as of Q1 2026 — TX bank median 6.76% (0.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.39% | 7.28% |
| Q4 2025 | 7.36% | 7.43% |
| Q3 2025 | 7.60% | 7.59% |
| Q2 2025 | 7.43% | 7.38% |
| Q1 2025 | 7.35% | 7.37% |
| Q4 2024 | 7.41% | 7.32% |
| Q3 2024 | 7.22% | 7.28% |
| Q2 2024 | 7.12% | 7.11% |
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 | $217.7M | $106.2M | $8.1M | 260% | $0 |
| Q4 2025 | $213.9M | $105.4M | $8.1M | 265% | $0 |
| Q3 2025 | $184.1M | $77.4M | $8.2M | 254% | $0 |
| Q2 2025 | $149.0M | $57.8M | $8.2M | 218% | $0 |
| Q1 2025 | $130.2M | $47.3M | $8.3M | 193% | $0 |
| Q4 2024 | $120.8M | $37.5M | $8.3M | 200% | $0 |
| Q3 2024 | $130.4M | $40.8M | $7.4M | 218% | $0 |
| Q2 2024 | $128.0M | $49.0M | $7.2M | 248% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Connections BankCommunity Bank · Platte City · $218.1M CRE book
- First Citizens State BankCommunity Bank · Whitewater · $218.6M CRE book
- Bank of Prairie du SacCommunity Bank · Prairie Du Sac · $216.6M CRE book
- The Bank of Elk RiverCommunity Bank · Elk River · $216.2M CRE book
- Trinity Capital Bank of TexasCommunity Bank · Ennis · $219.6M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.