TX lenders / Community Bank
Farmers State Bank
Community Bank · Center, TX · Farmers Bancshares Inc
- Total assets
- $389.1M
- CRE loan book
- $81.4M
- QoQ CRE growth
- 2.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.19% as of Q1 2026 — TX bank median 6.76% (0.43pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.19% | 7.09% |
| Q4 2025 | 7.32% | 7.46% |
| Q3 2025 | 7.29% | 7.59% |
| Q2 2025 | 7.49% | 7.71% |
| Q1 2025 | 7.55% | 7.44% |
| Q4 2024 | 7.78% | 7.70% |
| Q3 2024 | 7.40% | 7.52% |
| Q2 2024 | 7.42% | 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 | $81.4M | $15.6M | $0 | 98% | $30,000 |
| Q4 2025 | $79.2M | $13.8M | $0 | 94% | $34,000 |
| Q3 2025 | $75.5M | $13.0M | $0 | 87% | $38,000 |
| Q2 2025 | $65.2M | $10.2M | $0 | 71% | $42,000 |
| Q1 2025 | $63.4M | $9.3M | $0 | 68% | $46,000 |
| Q4 2024 | $63.4M | $10.8M | $0 | 73% | $50,000 |
| Q3 2024 | $65.9M | $13.6M | $0 | 79% | $68,000 |
| Q2 2024 | $64.8M | $16.1M | $0 | 85% | $84,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Solutions BankCommunity Bank · Forreston · $81.3M CRE book
- First State BankCommunity Bank · Webster City · $81.5M CRE book
- Prime Security BankCommunity Bank · Karlstad · $81.9M CRE book
- Sawyer Savings BankCommunity Bank · Saugerties · $80.7M CRE book
- City Bank & Trust Co.Community Bank · Natchitoches · $82.8M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.