TX lenders / Community Bank
Menard Bank
Community Bank · Menard, TX · Menard Bancshares Inc
- Total assets
- $89.4M
- CRE loan book
- $4.1M
- QoQ CRE growth
- 22.0%
- 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% | 6.63% |
| Q4 2025 | 7.01% | 6.81% |
| Q3 2025 | 6.83% | 6.66% |
| Q2 2025 | 6.86% | 6.68% |
| Q1 2025 | 5.91% | 5.93% |
| Q4 2024 | 7.21% | 7.05% |
| Q3 2024 | 7.23% | 6.99% |
| Q2 2024 | 6.02% | 5.88% |
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 | $4.1M | $1.1M | $0 | 36% | $0 |
| Q4 2025 | $3.3M | $993,000 | $0 | 31% | $0 |
| Q3 2025 | $3.8M | $1.3M | $0 | 36% | $0 |
| Q2 2025 | $3.6M | $1.1M | $0 | 36% | $0 |
| Q1 2025 | $3.6M | $875,000 | $0 | 37% | $0 |
| Q4 2024 | $3.5M | $641,000 | $0 | 38% | $0 |
| Q3 2024 | $3.4M | $422,000 | $0 | 37% | $0 |
| Q2 2024 | $1.5M | $257,000 | $0 | 4% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State BankCommunity Bank · Randolph · $4.1M CRE book
- The First State Bank of Pond Creek, OklahomaCommunity Bank · Pond Creek · $4.1M CRE book
- Maynard Savings BankCommunity Bank · Maynard · $3.9M CRE book
- Integrity BankCommunity Bank · Fowler · $3.9M CRE book
- Johnson State BankCommunity Bank · Johnson · $4.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.