TX lenders / Community Bank
First State Bank of Ben Wheeler, Texas
Community Bank · Ben Wheeler, TX
- Total assets
- $187.1M
- CRE loan book
- $12.6M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.75% as of Q1 2026 — TX bank median 6.76% (0.00pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.75% | 7.15% |
| Q4 2025 | 6.96% | 7.25% |
| Q3 2025 | 6.87% | 7.26% |
| Q2 2025 | 6.62% | 7.00% |
| Q1 2025 | 6.60% | 6.86% |
| Q4 2024 | 6.79% | 7.00% |
| Q3 2024 | 6.49% | 6.75% |
| Q2 2024 | 6.41% | 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 | $12.6M | $6.5M | $0 | 28% | $0 |
| Q4 2025 | $12.5M | $6.3M | $0 | 28% | $0 |
| Q3 2025 | $11.4M | $5.5M | $0 | 23% | $0 |
| Q2 2025 | $9.9M | $5.2M | $0 | 21% | $0 |
| Q1 2025 | $10.4M | $5.4M | $0 | 22% | $0 |
| Q4 2024 | $10.5M | $5.3M | $0 | 22% | $0 |
| Q3 2024 | $11.1M | $5.9M | $0 | 24% | $0 |
| Q2 2024 | $11.4M | $5.8M | $0 | 24% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State Bank of CherryCommunity Bank · Cherry · $12.6M CRE book
- Horizon Financial BankCommunity Bank · Munich · $12.6M CRE book
- First Security Bank - WestCommunity Bank · Beulah · $12.4M CRE book
- Peoples State Bank of HallettsvilleCommunity Bank · Hallettsville · $12.8M CRE book
- Graham Savings and Loan, SSBCommunity Bank · Graham · $12.4M CRE book
See all alternatives to First State Bank of Ben Wheeler, Texas →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.