TX lenders / Community Bank
First National Bank
Community Bank · Rotan, TX · Rotan Bancshares Inc
- Total assets
- $97.6M
- CRE loan book
- $3.8M
- QoQ CRE growth
- 13.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.03% as of Q1 2026 — TX bank median 6.76% (0.28pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.03% | 8.54% |
| Q4 2025 | 4.12% | 7.72% |
| Q3 2025 | 7.68% | 8.81% |
| Q2 2025 | 7.71% | 8.42% |
| Q1 2025 | 7.52% | 8.66% |
| Q4 2024 | 7.24% | 9.04% |
| Q3 2024 | 6.61% | 8.76% |
| Q2 2024 | 6.49% | 8.89% |
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 | $3.8M | $0 | $0 | 34% | $748,000 |
| Q4 2025 | $3.4M | $0 | $0 | 33% | $731,000 |
| Q3 2025 | $3.1M | $0 | $0 | 30% | $0 |
| Q2 2025 | $3.1M | $0 | $0 | 31% | $0 |
| Q1 2025 | $3.1M | $0 | $0 | 32% | $0 |
| Q4 2024 | $2.6M | $0 | $0 | 28% | $0 |
| Q3 2024 | $2.6M | $0 | $0 | 27% | $0 |
| Q2 2024 | $3.2M | $0 | $0 | 34% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Northern State Bank of GonvickCommunity Bank · Gonvick · $3.8M CRE book
- Anderson State BankCommunity Bank · Oneida · $3.9M CRE book
- Farmers and Merchants State Bank of BushnellCommunity Bank · Bushnell · $3.8M CRE book
- First State Bank of GolvaCommunity Bank · Golva · $3.7M CRE book
- Integrity BankCommunity Bank · Fowler · $3.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.