TX lenders / Community Bank
First State Bank
Community Bank · Shallowater, TX · South Texas Bancshares Inc
- Total assets
- $156.6M
- CRE loan book
- $67.0M
- QoQ CRE growth
- 14.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.50% as of Q1 2026 — TX bank median 6.76% (1.74pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.50% | 8.20% |
| Q4 2025 | 8.97% | 8.79% |
| Q3 2025 | 9.53% | 9.73% |
| Q2 2025 | 8.90% | 9.39% |
| Q1 2025 | 8.57% | 8.76% |
| Q4 2024 | 8.77% | 9.62% |
| Q3 2024 | 9.73% | 10.05% |
| Q2 2024 | 13.85% | 13.01% |
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 | $67.0M | $8.0M | $0 | 165% | $0 |
| Q4 2025 | $58.3M | $6.0M | $0 | 150% | $0 |
| Q3 2025 | $50.4M | $5.9M | $0 | 122% | $0 |
| Q2 2025 | $61.7M | $7.0M | $0 | 154% | $0 |
| Q1 2025 | $58.0M | $8.4M | $0 | 164% | $0 |
| Q4 2024 | $59.0M | $9.1M | $0 | 180% | $0 |
| Q3 2024 | $52.3M | $8.3M | $0 | 178% | $0 |
| Q2 2024 | $50.3M | $10.3M | $0 | 175% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- DeWitt Bank & Trust Co.Community Bank · Dewitt · $67.0M CRE book
- Bank of CommerceCommunity Bank · Chelsea · $67.2M CRE book
- United Citizens Bank & Trust CompanyCommunity Bank · Campbellsburg · $67.5M CRE book
- Arcadian BankCommunity Bank · Hartland · $67.7M CRE book
- The Citizens Bank CompanyCommunity Bank · Beverly · $68.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.