TX lenders / Community Bank
First National Bank of Giddings
Community Bank · Giddings, TX · Giddings Bancshares Inc
- Total assets
- $356.7M
- CRE loan book
- $71.9M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.96% as of Q1 2026 — TX bank median 6.76% (0.80pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.96% | 6.28% |
| Q4 2025 | 6.10% | 6.40% |
| Q3 2025 | 6.24% | 6.58% |
| Q2 2025 | 5.84% | 6.23% |
| Q1 2025 | 5.86% | 6.29% |
| Q4 2024 | 5.94% | 6.38% |
| Q3 2024 | 5.69% | 6.24% |
| Q2 2024 | 5.33% | 5.83% |
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 | $71.9M | $23.4M | $0 | 100% | $3.5M |
| Q4 2025 | $71.3M | $25.6M | $0 | 106% | $3.5M |
| Q3 2025 | $70.8M | $25.5M | $0 | 107% | $3.5M |
| Q2 2025 | $70.1M | $30.0M | $0 | 114% | $3.5M |
| Q1 2025 | $68.7M | $27.9M | $0 | 112% | $282,000 |
| Q4 2024 | $69.7M | $30.6M | $0 | 117% | $385,000 |
| Q3 2024 | $61.1M | $31.0M | $0 | 110% | $404,000 |
| Q2 2024 | $57.5M | $27.4M | $0 | 104% | $59,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Greater State BankCommunity Bank · Mcallen · $72.8M CRE book
- The Peoples BankCommunity Bank · Ripley · $72.8M CRE book
- Peoples State Bank of MunisingCommunity Bank · Munising · $69.6M CRE book
- Hoosier Heartland State BankCommunity Bank · Crawfordsville · $69.6M CRE book
- The Bank of KaukaunaCommunity Bank · Kaukauna · $69.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.