TX lenders / Community Bank
First Texas National Bank
Community Bank · Floydada, TX · Floyd County Bancshares Inc
- Total assets
- $198.0M
- CRE loan book
- $68.0M
- QoQ CRE growth
- 14.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.66% as of Q1 2026 — TX bank median 6.76% (0.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.66% | 7.40% |
| Q4 2025 | 7.15% | 7.65% |
| Q3 2025 | 7.51% | 7.90% |
| Q2 2025 | 7.30% | 7.44% |
| Q1 2025 | 7.31% | 7.18% |
| Q4 2024 | 7.91% | 7.62% |
| Q3 2024 | 6.74% | 7.44% |
| Q2 2024 | 5.93% | 7.02% |
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 | $68.0M | $32.8M | $2.4M | 262% | $0 |
| Q4 2025 | $59.4M | $28.9M | $2.4M | 236% | $706,000 |
| Q3 2025 | $52.3M | $24.4M | $2.4M | 203% | $0 |
| Q2 2025 | $51.3M | $24.7M | $2.4M | 206% | $0 |
| Q1 2025 | $51.6M | $26.7M | $2.5M | 212% | $0 |
| Q4 2024 | $50.4M | $28.2M | $2.5M | 212% | $0 |
| Q3 2024 | $44.1M | $24.2M | $2.5M | 181% | $0 |
| Q2 2024 | $36.3M | $22.3M | $2.5M | 154% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Citizens Bank CompanyCommunity Bank · Beverly · $68.1M CRE book
- Hendricks County Bank and Trust CompanyCommunity Bank · Brownsburg · $68.1M CRE book
- Arcadian BankCommunity Bank · Hartland · $67.7M CRE book
- Teutopolis State BankCommunity Bank · Teutopolis · $68.3M CRE book
- United Citizens Bank & Trust CompanyCommunity Bank · Campbellsburg · $67.5M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.