TX lenders / Community Bank
First State Bank
Community Bank · Paint Rock, TX · Paint Rock Bancshares Inc
- Total assets
- $184.6M
- CRE loan book
- $7.8M
- QoQ CRE growth
- 0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.91% as of Q1 2026 — TX bank median 6.76% (0.15pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.91% | 7.36% |
| Q4 2025 | 7.20% | 7.55% |
| Q3 2025 | 6.94% | 7.43% |
| Q2 2025 | 6.87% | 7.43% |
| Q1 2025 | 6.88% | 7.25% |
| Q4 2024 | 6.90% | 7.50% |
| Q3 2024 | 6.76% | 7.33% |
| Q2 2024 | 6.73% | 7.39% |
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 | $7.8M | $1.3M | $642,000 | 17% | $449,000 |
| Q4 2025 | $7.8M | $1.1M | $644,000 | 16% | $452,000 |
| Q3 2025 | $8.0M | $1.5M | $645,000 | 17% | $454,000 |
| Q2 2025 | $7.3M | $1.2M | $647,000 | 16% | $0 |
| Q1 2025 | $7.4M | $1.2M | $648,000 | 16% | $0 |
| Q4 2024 | $7.4M | $1.6M | $650,000 | 17% | $0 |
| Q3 2024 | $7.4M | $2.0M | $650,000 | 18% | $0 |
| Q2 2024 | $7.6M | $2.6M | $0 | 21% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Pointwest BankCommunity Bank · West · $7.9M CRE book
- Hart County Bank and Trust CompanyCommunity Bank · Munfordville · $7.8M CRE book
- Citizens Savings BankCommunity Bank · Marshalltown · $7.9M CRE book
- Preferred BankCommunity Bank · Rothville · $8.0M CRE book
- Farmers State BankCommunity Bank · Elmwood · $8.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.