TX lenders / Community Bank
Farmers and Merchants Bank
Community Bank · De Leon, TX · F&M Bancshares Inc
- Total assets
- $255.9M
- CRE loan book
- $45.9M
- QoQ CRE growth
- 9.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.63% as of Q1 2026 — TX bank median 6.76% (0.12pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.63% | 6.55% |
| Q4 2025 | 7.05% | 6.74% |
| Q3 2025 | 6.88% | 6.71% |
| Q2 2025 | 7.19% | 7.59% |
| Q1 2025 | 6.34% | 6.44% |
| Q4 2024 | 6.28% | 6.32% |
| Q3 2024 | 6.46% | 6.56% |
| Q2 2024 | 6.23% | 6.36% |
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 | $45.9M | $10.1M | $1.0M | 118% | $0 |
| Q4 2025 | $41.8M | $9.7M | $1.0M | 103% | $0 |
| Q3 2025 | $36.5M | $9.0M | $1.0M | 82% | $0 |
| Q2 2025 | $33.1M | $8.5M | $1.0M | 74% | $0 |
| Q1 2025 | $34.5M | $7.5M | $878,000 | 89% | $0 |
| Q4 2024 | $30.1M | $7.7M | $881,000 | 75% | $0 |
| Q3 2024 | $28.1M | $7.9M | $885,000 | 68% | $0 |
| Q2 2024 | $28.9M | $9.2M | $888,000 | 112% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National Bank in New BremenCommunity Bank · New Bremen · $45.9M CRE book
- Bank of YorkCommunity Bank · York · $46.0M CRE book
- Frontier BankCommunity Bank · Lamar · $46.1M CRE book
- Alamosa State BankCommunity Bank · Alamosa · $46.6M CRE book
- Farmers and Merchants BankCommunity Bank · Lafayette · $46.6M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.