TX lenders / Community Bank
Commercial State Bank
Community Bank · Palmer, TX · Palmer Bancshares Inc
- Total assets
- $121.3M
- CRE loan book
- $17.3M
- QoQ CRE growth
- -3.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.16% as of Q1 2026 — TX bank median 6.76% (0.40pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.16% | 7.75% |
| Q4 2025 | 7.39% | 8.13% |
| Q3 2025 | 7.57% | 8.22% |
| Q2 2025 | 7.53% | 8.29% |
| Q1 2025 | 8.50% | 8.88% |
| Q4 2024 | 8.76% | 8.96% |
| Q3 2024 | 8.91% | 9.38% |
| Q2 2024 | 8.97% | 9.10% |
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 | $17.3M | $2.5M | $0 | 78% | $1.5M |
| Q4 2025 | $17.9M | $2.6M | $0 | 83% | $1.5M |
| Q3 2025 | $17.7M | $2.5M | $0 | 77% | $2.0M |
| Q2 2025 | $17.1M | $2.1M | $0 | 75% | $2.0M |
| Q1 2025 | $15.1M | $2.1M | $0 | 48% | $585,000 |
| Q4 2024 | $14.4M | $2.0M | $0 | 46% | $585,000 |
| Q3 2024 | $14.4M | $2.0M | $0 | 44% | $585,000 |
| Q2 2024 | $14.5M | $2.4M | $0 | 47% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers Savings BankCommunity Bank · Colesburg · $17.3M CRE book
- The First Trust and Savings Bank of Watseka, IllinoisCommunity Bank · Watseka · $17.4M CRE book
- Elysian BankCommunity Bank · Elysian · $17.1M CRE book
- Guaranty State Bank and Trust CompanyCommunity Bank · Beloit · $17.1M CRE book
- Wells River Savings BankCommunity Bank · Wells River · $17.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.