TX lenders / Community Bank
First State Bank
Community Bank · Stratford, TX · Stratford Bancshares Inc
- Total assets
- $386.0M
- CRE loan book
- $60.6M
- QoQ CRE growth
- 0.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.51% as of Q1 2026 — TX bank median 6.76% (0.25pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.51% | 7.08% |
| Q4 2025 | 6.71% | 7.09% |
| Q3 2025 | 6.84% | 7.42% |
| Q2 2025 | 6.52% | 7.57% |
| Q1 2025 | 6.44% | 7.06% |
| Q4 2024 | 6.87% | 7.30% |
| Q3 2024 | 6.78% | 7.59% |
| Q2 2024 | 6.56% | 7.56% |
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 | $60.6M | $2.8M | $1.6M | 110% | $0 |
| Q4 2025 | $60.2M | $2.7M | $1.6M | 107% | $0 |
| Q3 2025 | $48.2M | $2.4M | $1.5M | 85% | $0 |
| Q2 2025 | $42.7M | $2.3M | $1.5M | 82% | $0 |
| Q1 2025 | $43.3M | $2.1M | $1.6M | 86% | $0 |
| Q4 2024 | $49.8M | $7.7M | $1.9M | 99% | $0 |
| Q3 2024 | $50.3M | $7.8M | $2.1M | 105% | $0 |
| Q2 2024 | $50.6M | $7.3M | $2.4M | 109% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Security Bank of TexasCommunity Bank · Crawford · $60.6M CRE book
- The Pecos County State BankCommunity Bank · Fort Stockton · $60.7M CRE book
- Peoples BankCommunity Bank · Lebanon · $60.3M CRE book
- Peoples BankCommunity Bank · Lyons · $60.3M CRE book
- Shell Lake State BankCommunity Bank · Shell Lake · $60.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.