TX lenders / Community Bank
First State Bank
Community Bank · Gainesville, TX · Red River Bcorp Inc
- Total assets
- $1.8B
- CRE loan book
- $564.3M
- QoQ CRE growth
- 1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.80% as of Q1 2026 — TX bank median 6.76% (0.04pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.80% | 6.79% |
| Q4 2025 | 6.87% | 6.97% |
| Q3 2025 | 6.76% | 6.86% |
| Q2 2025 | 6.49% | 6.74% |
| Q1 2025 | 6.32% | 6.44% |
| Q4 2024 | 6.34% | 6.54% |
| Q3 2024 | 6.37% | 6.64% |
| Q2 2024 | 6.21% | 6.46% |
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 | $564.3M | $118.9M | $10.7M | 162% | $167,000 |
| Q4 2025 | $556.4M | $125.6M | $10.9M | 168% | $5.8M |
| Q3 2025 | $518.6M | $118.4M | $12.1M | 169% | $3.2M |
| Q2 2025 | $492.4M | $89.2M | $12.7M | 155% | $14.2M |
| Q1 2025 | $494.9M | $84.1M | $12.8M | 165% | $6.5M |
| Q4 2024 | $493.0M | $81.6M | $13.0M | 162% | $3.5M |
| Q3 2024 | $501.9M | $93.5M | $13.1M | 165% | $3.8M |
| Q2 2024 | $490.0M | $103.2M | $14.1M | 169% | $4.5M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Alliance Bank Central TexasCommunity Bank · Woodway · $568.1M CRE book
- Lincoln Savings BankCommunity Bank · Reinbeck · $569.5M CRE book
- Cornhusker BankCommunity Bank · Lincoln · $557.7M CRE book
- Commercial Bank of Texas, National AssociationCommunity Bank · Nacogdoches · $571.4M CRE book
- First State BankCommunity Bank · Mendota · $572.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.