TX lenders / Community Bank
Graham Savings and Loan, SSB
Community Bank · Graham, TX · Graham Savings Financial Corp
- Total assets
- $156.5M
- CRE loan book
- $12.4M
- QoQ CRE growth
- -11.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.08% as of Q1 2026 — TX bank median 6.76% (0.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.08% | 7.15% |
| Q4 2025 | 6.64% | 6.76% |
| Q3 2025 | 6.99% | 7.12% |
| Q2 2025 | 6.25% | 6.38% |
| Q1 2025 | 6.12% | 6.23% |
| Q4 2024 | 6.03% | 6.13% |
| Q3 2024 | 5.81% | 5.99% |
| Q2 2024 | 5.84% | 6.01% |
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 | $12.4M | $6.3M | $860,000 | 46% | $23,000 |
| Q4 2025 | $14.1M | $7.4M | $874,000 | 56% | $0 |
| Q3 2025 | $14.3M | $7.8M | $888,000 | 59% | $0 |
| Q2 2025 | $16.8M | $7.6M | $902,000 | 60% | $0 |
| Q1 2025 | $15.5M | $6.2M | $915,000 | 53% | $0 |
| Q4 2024 | $16.0M | $6.6M | $928,000 | 56% | $0 |
| Q3 2024 | $16.2M | $6.5M | $941,000 | 56% | $0 |
| Q2 2024 | $16.5M | $6.5M | $953,000 | 56% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Security Bank - WestCommunity Bank · Beulah · $12.4M CRE book
- Flat Branch BankCommunity Bank · Richmond · $12.4M CRE book
- Horizon Financial BankCommunity Bank · Munich · $12.6M CRE book
- First National Bank in PinckneyvilleCommunity Bank · Pinckneyville · $12.2M CRE book
- State Bank of CherryCommunity Bank · Cherry · $12.6M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.