TX lenders / Community Bank
Guadalupe Bank
Community Bank · Kerrville, TX · Relationship Financial Corp
- Total assets
- $253.4M
- CRE loan book
- $90.6M
- QoQ CRE growth
- 6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.02% as of Q1 2026 — TX bank median 6.76% (0.26pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.02% | 7.09% |
| Q4 2025 | 6.88% | 6.92% |
| Q3 2025 | 7.00% | 7.04% |
| Q2 2025 | 6.88% | 6.97% |
| Q1 2025 | 6.77% | 6.81% |
| Q4 2024 | 6.86% | 6.90% |
| Q3 2024 | 6.72% | 6.77% |
| Q2 2024 | 6.58% | 6.62% |
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 | $90.6M | $29.7M | $6.0M | 229% | $0 |
| Q4 2025 | $85.5M | $27.2M | $6.1M | 217% | $0 |
| Q3 2025 | $84.8M | $27.2M | $6.2M | 221% | $0 |
| Q2 2025 | $85.9M | $26.0M | $6.3M | 227% | $0 |
| Q1 2025 | $86.2M | $31.1M | $2.7M | 237% | $0 |
| Q4 2024 | $91.9M | $31.4M | $3.3M | 258% | $0 |
| Q3 2024 | $88.9M | $32.6M | $2.2M | 258% | $0 |
| Q2 2024 | $86.7M | $28.6M | $2.6M | 246% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Minnstar Bank National AssociationCommunity Bank · Lake Crystal · $90.6M CRE book
- FM BankCommunity Bank · Waseca · $90.4M CRE book
- The Gunnison Bank and Trust CompanyCommunity Bank · Gunnison · $91.5M CRE book
- Grand Rapids State BankCommunity Bank · Grand Rapids · $91.8M CRE book
- Bank of MiltonCommunity Bank · Milton · $89.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.