TX lenders / Community Bank
First State Bank
Community Bank · Clute, TX · Fsb Bancshares Inc
- Total assets
- $466.5M
- CRE loan book
- $144.3M
- QoQ CRE growth
- 3.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.64% as of Q1 2026 — TX bank median 6.76% (0.12pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.64% | 7.07% |
| Q4 2025 | 7.19% | 7.52% |
| Q3 2025 | 6.26% | 6.95% |
| Q2 2025 | 6.41% | 6.86% |
| Q1 2025 | 6.09% | 6.60% |
| Q4 2024 | 6.23% | 6.86% |
| Q3 2024 | 6.21% | 6.73% |
| Q2 2024 | 5.96% | 6.56% |
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 | $144.3M | $8.0M | $1.3M | 75% | $1.7M |
| Q4 2025 | $139.8M | $6.3M | $1.3M | 74% | $1.4M |
| Q3 2025 | $135.4M | $4.5M | $1.3M | 38% | $3.0M |
| Q2 2025 | $131.5M | $3.3M | $1.3M | 36% | $2.2M |
| Q1 2025 | $126.3M | $4.7M | $1.3M | 41% | $1.1M |
| Q4 2024 | $119.6M | $2.4M | $1.4M | 41% | $455,000 |
| Q3 2024 | $117.7M | $2.9M | $1.8M | 46% | $61,000 |
| Q2 2024 | $116.0M | $3.4M | $1.8M | 54% | $62,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Grant County BankCommunity Bank · Petersburg · $143.7M CRE book
- The Citizens Bank of ClovisCommunity Bank · Clovis · $143.2M CRE book
- The Peoples State BankCommunity Bank · Ellettsville · $143.2M CRE book
- Northeast Georgia BankCommunity Bank · Lavonia · $145.6M CRE book
- Century BankCommunity Bank · Lucedale · $147.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.