TX lenders / Community Bank
First National Bank of Hereford
Community Bank · Hereford, TX · La Plata Bancshares Inc
- Total assets
- $362.7M
- CRE loan book
- $44.2M
- QoQ CRE growth
- -1.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.41% as of Q1 2026 — TX bank median 6.76% (0.65pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.41% | 7.28% |
| Q4 2025 | 7.28% | 7.36% |
| Q3 2025 | 7.16% | 7.78% |
| Q2 2025 | 7.05% | 7.69% |
| Q1 2025 | 6.95% | 7.60% |
| Q4 2024 | 7.43% | 7.87% |
| Q3 2024 | 7.08% | 7.85% |
| Q2 2024 | 7.02% | 7.85% |
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 | $44.2M | $6.6M | $4.6M | 93% | $0 |
| Q4 2025 | $44.9M | $6.8M | $3.9M | 94% | $0 |
| Q3 2025 | $45.5M | $7.2M | $3.9M | 105% | $0 |
| Q2 2025 | $46.9M | $6.7M | $3.9M | 111% | $0 |
| Q1 2025 | $42.9M | $6.4M | $3.7M | 105% | $0 |
| Q4 2024 | $40.6M | $5.9M | $3.5M | 101% | $0 |
| Q3 2024 | $39.8M | $5.4M | $3.5M | 102% | $1.1M |
| Q2 2024 | $38.1M | $5.2M | $3.5M | 117% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of LivingstonCommunity Bank · Livingston · $44.4M CRE book
- First Community BankCommunity Bank · Milton · $44.6M CRE book
- Farmers BankCommunity Bank · Greenwood · $43.8M CRE book
- GreenLeaf BankCommunity Bank · Greenleaf · $44.6M CRE book
- Horatio State BankCommunity Bank · Horatio · $43.7M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.