TX lenders / Community Bank
First State Bank
Community Bank · Junction, TX · Kimble County Bancshares Inc
- Total assets
- $60.8M
- CRE loan book
- $6.1M
- QoQ CRE growth
- -1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.21% as of Q1 2026 — TX bank median 6.76% (0.45pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.21% | 7.70% |
| Q4 2025 | 7.87% | 8.21% |
| Q3 2025 | 8.09% | 8.20% |
| Q2 2025 | 6.67% | 7.27% |
| Q1 2025 | 6.42% | 7.07% |
| Q4 2024 | 6.53% | 7.21% |
| Q3 2024 | 6.28% | 7.03% |
| Q2 2024 | 6.60% | 7.16% |
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 | $6.1M | $361,000 | $0 | 55% | $0 |
| Q4 2025 | $6.1M | $356,000 | $0 | 50% | $0 |
| Q3 2025 | $6.1M | $260,000 | $0 | 56% | $0 |
| Q2 2025 | $6.5M | $172,000 | $0 | 55% | $437,000 |
| Q1 2025 | $6.6M | $146,000 | $0 | 57% | $437,000 |
| Q4 2024 | $6.6M | $24,000 | $0 | 58% | $495,000 |
| Q3 2024 | $6.7M | $0 | $0 | 58% | $549,000 |
| Q2 2024 | $7.0M | $0 | $0 | 67% | $549,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Rushford State Bank (Incorporated)Community Bank · Rushford · $6.0M CRE book
- The Lytle State Bank of Lytle, TexasCommunity Bank · Lytle · $6.1M CRE book
- Franklin State Bank & Trust CompanyCommunity Bank · Winnsboro · $6.0M CRE book
- United Minnesota BankCommunity Bank · New London · $6.2M CRE book
- The Corn City State BankCommunity Bank · Deshler · $6.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.