TX lenders / Community Bank
Kress National Bank
Community Bank · Kress, TX · Kress National Bancshares Inc
- Total assets
- $65.7M
- CRE loan book
- $1.2M
- QoQ CRE growth
- -1.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.88% as of Q1 2026 — TX bank median 6.76% (0.12pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.88% | 7.88% |
| Q4 2025 | 7.30% | 8.45% |
| Q3 2025 | 7.29% | 8.06% |
| Q2 2025 | 6.88% | 8.27% |
| Q1 2025 | 7.09% | 8.12% |
| Q4 2024 | 6.21% | 8.14% |
| Q3 2024 | 6.58% | 8.29% |
| Q2 2024 | 6.02% | 7.89% |
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 | $1.2M | $0 | $0 | 4% | $0 |
| Q4 2025 | $1.3M | $0 | $0 | 4% | $0 |
| Q3 2025 | $1.2M | $0 | $0 | 4% | $0 |
| Q2 2025 | $1.2M | $0 | $0 | 4% | $0 |
| Q1 2025 | $1.3M | $0 | $0 | 6% | $0 |
| Q4 2024 | $1.3M | $0 | $0 | 6% | $0 |
| Q3 2024 | $1.4M | $0 | $0 | 6% | $0 |
| Q2 2024 | $1.3M | $0 | $0 | 7% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Phillipsburg · $1.3M CRE book
- First American BankCommunity Bank · Stonewall · $1.3M CRE book
- Peoples State BankCommunity Bank · Westhope · $1.2M CRE book
- The Union Banking CompanyCommunity Bank · West Mansfield · $1.2M CRE book
- First National Bank in TigertonCommunity Bank · Tigerton · $1.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.