TX lenders / Community Bank
First State Bank
Community Bank · Graham, TX · Woodson Bancshares Inc
- Total assets
- $302.7M
- CRE loan book
- $35.6M
- QoQ CRE growth
- 4.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.74% as of Q1 2026 — TX bank median 6.76% (0.01pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.74% | 7.04% |
| Q4 2025 | 6.78% | 7.19% |
| Q3 2025 | 6.66% | 7.08% |
| Q2 2025 | 6.62% | 7.15% |
| Q1 2025 | 6.43% | 7.02% |
| Q4 2024 | 6.55% | 7.10% |
| Q3 2024 | 6.52% | 7.04% |
| Q2 2024 | 6.18% | 6.87% |
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 | $35.6M | $2.8M | $1.8M | 17% | $0 |
| Q4 2025 | $34.2M | $2.7M | $0 | 11% | $0 |
| Q3 2025 | $30.5M | $3.9M | $0 | 15% | $0 |
| Q2 2025 | $30.1M | $7.3M | $0 | 26% | $0 |
| Q1 2025 | $29.6M | $6.7M | $0 | 25% | $0 |
| Q4 2024 | $31.1M | $5.8M | $0 | 22% | $0 |
| Q3 2024 | $30.1M | $5.1M | $0 | 20% | $0 |
| Q2 2024 | $30.0M | $6.1M | $416,000 | 25% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Grand Missouri BankCommunity Bank · Bolivar · $35.7M CRE book
- Great North BankCommunity Bank · Florence · $35.5M CRE book
- The Cleveland State BankCommunity Bank · Cleveland · $35.8M CRE book
- Union State Bank of HazenCommunity Bank · Hazen · $35.4M CRE book
- Citizens State BankCommunity Bank · Lena · $35.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.