TX lenders / Community Bank
First State Bank and Trust Company
Community Bank · Carthage, TX · Murphy-Payne Investments Ltd
- Total assets
- $552.2M
- CRE loan book
- $23.2M
- QoQ CRE growth
- -1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.25% as of Q1 2026 — TX bank median 6.76% (0.51pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.25% | 6.83% |
| Q4 2025 | 6.53% | 7.09% |
| Q3 2025 | 6.31% | 6.89% |
| Q2 2025 | 6.17% | 6.73% |
| Q1 2025 | 6.02% | 6.60% |
| Q4 2024 | 6.01% | 6.63% |
| Q3 2024 | 6.03% | 6.62% |
| Q2 2024 | 5.71% | 6.28% |
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 | $23.2M | $4.1M | $1.8M | 11% | $596,000 |
| Q4 2025 | $23.7M | $4.4M | $1.8M | 11% | $612,000 |
| Q3 2025 | $26.9M | $5.5M | $2.6M | 13% | $580,000 |
| Q2 2025 | $25.5M | $4.4M | $1.9M | 11% | $346,000 |
| Q1 2025 | $25.4M | $3.7M | $1.8M | 11% | $110,000 |
| Q4 2024 | $26.6M | $5.2M | $1.4M | 12% | $114,000 |
| Q3 2024 | $25.6M | $4.5M | $1.2M | 11% | $123,000 |
| Q2 2024 | $26.9M | $4.6M | $943,000 | 11% | $51,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Security State BankCommunity Bank · Farwell · $23.2M CRE book
- 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
- The First National Bank in TrinidadCommunity Bank · Trinidad · $23.4M CRE book
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Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.