TX lenders / Community Bank
First State Bank
Community Bank · Athens, TX · Jane Austin Chapman Mgnt L C
- Total assets
- $778.6M
- CRE loan book
- $165.6M
- QoQ CRE growth
- -4.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.42% as of Q1 2026 — TX bank median 6.76% (0.34pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.42% | 6.88% |
| Q4 2025 | 6.62% | 7.13% |
| Q3 2025 | 6.22% | 6.71% |
| Q2 2025 | 6.09% | 6.57% |
| Q1 2025 | 5.91% | 6.41% |
| Q4 2024 | 6.22% | 6.64% |
| Q3 2024 | 5.73% | 6.30% |
| Q2 2024 | 6.61% | 7.15% |
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 | $165.6M | $72.3M | $875,000 | 117% | $115,000 |
| Q4 2025 | $172.5M | $70.1M | $2.1M | 128% | $85,000 |
| Q3 2025 | $172.3M | $72.1M | $2.2M | 133% | $3.0M |
| Q2 2025 | $169.0M | $72.7M | $2.3M | 138% | $0 |
| Q1 2025 | $164.6M | $67.1M | $2.3M | 133% | $0 |
| Q4 2024 | $157.6M | $65.8M | $2.4M | 127% | $0 |
| Q3 2024 | $156.5M | $60.7M | $2.4M | 123% | $1.3M |
| Q2 2024 | $161.4M | $66.5M | $2.5M | 135% | $2.0M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Peoples State BankCommunity Bank · Prairie Du Chien · $164.7M CRE book
- Forest Park National Bank and Trust CompanyCommunity Bank · Forest Park · $167.4M CRE book
- Century Bank and TrustCommunity Bank · Milledgeville · $163.4M CRE book
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- Community Savings BankCommunity Bank · Edgewood · $168.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.