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
Recorded CRE activity — harris County
12 commercial deeds of trust recorded recently, verified from county records.
- Aug 6, 2026 · landundisclosed
- Aug 6, 2026 · unknownundisclosed
- Jul 24, 2026 · unknownundisclosed
- Jul 10, 2026 · unknownundisclosed
- Jul 10, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · landundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
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 4.87% (2.53pp 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.
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 | $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 |
Citizens State Bank: frequently asked questions
- How large is Citizens State Bank's commercial real estate loan book?
- As of Q1 2026, Citizens State Bank reported $217.7M in commercial real estate loans out of $478.4M in total assets, per its FFIEC Call Report.
- Is Citizens State Bank above the 300% CRE concentration guideline?
- Citizens State Bank's CRE loans stood at 260% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Citizens State Bank growing or shrinking its CRE lending?
- Citizens State Bank's CRE loan book grew 1.7% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Citizens State Bank in recorded CRE lending?
- 12 commercial deeds of trust naming Citizens State Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 6, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
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
- Trinity Capital Bank of TexasCommunity Bank · Ennis · $219.6M CRE book
- Mercer County State BankCommunity Bank · Sandy Lake · $215.5M CRE book
Markets where Citizens State Bank lends
Citizens State Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Aug 6, 2026 · Sources: FFIEC CDR, county records, first-party conversations.