TX lenders / Community Bank
First National Bank of Bosque County
Community Bank · Valley Mills, TX · Valley Mills Financial Corp
- Total assets
- $186.2M
- CRE loan book
- $23.2M
- QoQ CRE growth
- -6.1%
- Q1 2026
Recorded CRE activity — mclennan County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 1, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.56% as of Q1 2026 — TX bank median 6.76% (1.20pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.56% | 5.88% |
| Q4 2025 | 5.85% | 5.99% |
| Q3 2025 | 5.79% | 6.00% |
| Q2 2025 | 5.61% | 5.91% |
| Q1 2025 | 5.48% | 5.78% |
| Q4 2024 | 5.50% | 5.96% |
| Q3 2024 | 6.27% | 5.87% |
| Q2 2024 | 5.36% | 5.74% |
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 | $23.2M | $11.3M | $971,000 | 53% | $0 |
| Q4 2025 | $24.8M | $11.8M | $977,000 | 60% | $0 |
| Q3 2025 | $25.5M | $12.4M | $982,000 | 64% | $0 |
| Q2 2025 | $25.4M | $12.0M | $985,000 | 67% | $0 |
| Q1 2025 | $23.0M | $9.5M | $990,000 | 57% | $0 |
| Q4 2024 | $24.8M | $12.7M | $998,000 | 75% | $0 |
| Q3 2024 | $23.1M | $11.1M | $1.0M | 68% | $0 |
| Q2 2024 | $19.7M | $10.1M | $991,000 | 60% | $0 |
First National Bank of Bosque County: frequently asked questions
- How large is First National Bank of Bosque County's commercial real estate loan book?
- As of Q1 2026, First National Bank of Bosque County reported $23.2M in commercial real estate loans out of $186.2M in total assets, per its FFIEC Call Report.
- Is First National Bank of Bosque County above the 300% CRE concentration guideline?
- First National Bank of Bosque County's CRE loans stood at 53% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First National Bank of Bosque County growing or shrinking its CRE lending?
- First National Bank of Bosque County's CRE loan book shrank 6.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is First National Bank of Bosque County in recorded CRE lending?
- 1 commercial deed of trust naming First National Bank of Bosque County as lender has been recorded recently in mclennan County, verified from county records; the most recent was recorded Jul 1, 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.
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- The Iuka State BankCommunity Bank · Salem · $23.2M CRE book
- Farmers and Merchants Savings BankCommunity Bank · Iowa City · $23.3M CRE book
- Peoples Savings BankCommunity Bank · Wellsburg · $23.3M CRE book
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Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.