TX lenders / Community Bank
First State Bank of San Diego
Community Bank · San Diego, TX · San Diego Bancshares Inc
- Total assets
- $73.0M
- CRE loan book
- $5.1M
- QoQ CRE growth
- -5.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.73% as of Q1 2026 — TX bank median 6.76% (0.97pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.73% | 8.38% |
| Q4 2025 | 6.52% | 7.64% |
| Q3 2025 | 6.79% | 7.81% |
| Q2 2025 | 6.87% | 7.60% |
| Q1 2025 | 6.46% | 7.48% |
| Q4 2024 | 6.22% | 7.36% |
| Q3 2024 | 7.37% | 8.14% |
| Q2 2024 | 7.01% | 7.55% |
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 | $5.1M | $2.6M | $0 | 65% | $0 |
| Q4 2025 | $5.3M | $3.1M | $0 | 69% | $215,000 |
| Q3 2025 | $6.3M | $2.9M | $0 | 67% | $217,000 |
| Q2 2025 | $6.4M | $3.0M | $0 | 67% | $219,000 |
| Q1 2025 | $6.0M | $3.2M | $0 | 61% | $223,000 |
| Q4 2024 | $5.9M | $3.1M | $0 | 87% | $0 |
| Q3 2024 | $6.7M | $3.9M | $0 | 98% | $0 |
| Q2 2024 | $6.9M | $4.1M | $0 | 102% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State Bank of Western IllinoisCommunity Bank · Alpha · $5.0M CRE book
- State Bank of Cold SpringCommunity Bank · Cold Spring · $5.1M CRE book
- The Farmers State Bank of BrushCommunity Bank · Brush · $5.0M CRE book
- First State Bank of MichiganCommunity Bank · Decatur · $4.9M CRE book
- Dewey BankCommunity Bank · Dewey · $5.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.