TX lenders / Community Bank
Incommons Bank, N.A.
Community Bank · Mexia, TX · Bi-Stone Bancshares Inc
- Total assets
- $282.5M
- CRE loan book
- $84.2M
- QoQ CRE growth
- 0.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.47% as of Q1 2026 — TX bank median 6.76% (0.71pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.47% | 7.73% |
| Q4 2025 | 7.70% | 7.84% |
| Q3 2025 | 7.75% | 7.85% |
| Q2 2025 | 7.48% | 7.65% |
| Q1 2025 | 7.33% | 7.46% |
| Q4 2024 | 7.59% | 7.80% |
| Q3 2024 | 7.63% | 7.82% |
| Q2 2024 | 7.19% | 7.39% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $84.2M | $4.9M | $19.1M | 201% | $55,000 |
| Q4 2025 | $84.0M | $5.5M | $18.2M | 208% | $0 |
| Q3 2025 | $82.0M | $11.5M | $12.8M | 212% | $0 |
| Q2 2025 | $80.2M | $12.5M | $11.4M | 219% | $1.1M |
| Q1 2025 | $72.8M | $12.8M | $8.6M | 196% | $1.1M |
| Q4 2024 | $61.8M | $18.2M | $3.4M | 157% | $1.0M |
| Q3 2024 | $58.6M | $17.7M | $1.4M | 145% | $1.0M |
| Q2 2024 | $63.9M | $20.3M | $2.8M | 170% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- Farmers Savings BankCommunity Bank · Mineral Point · $84.9M CRE book
- The Friendship State BankCommunity Bank · Friendship · $85.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.