TX lenders / Community Bank
Pointbank
Community Bank · Pilot Point, TX · Pilot Point Bcorp Inc Esop
- Total assets
- $1.1B
- CRE loan book
- $318.1M
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.45% as of Q1 2026 — TX bank median 6.76% (0.31pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.45% | 6.79% |
| Q4 2025 | 6.57% | 7.28% |
| Q3 2025 | 6.59% | 7.05% |
| Q2 2025 | 6.41% | 7.06% |
| Q1 2025 | 6.39% | 7.00% |
| Q4 2024 | 6.38% | 7.06% |
| Q3 2024 | 6.87% | 7.53% |
| Q2 2024 | 6.04% | 6.80% |
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 | $318.1M | $98.9M | $3.3M | 148% | $103,000 |
| Q4 2025 | $311.8M | $103.9M | $3.4M | 145% | $110,000 |
| Q3 2025 | $305.7M | $91.7M | $3.4M | 217% | $122,000 |
| Q2 2025 | $301.8M | $80.9M | $3.5M | 216% | $137,000 |
| Q1 2025 | $296.4M | $77.5M | $3.6M | 214% | $147,000 |
| Q4 2024 | $289.6M | $80.2M | $3.6M | 227% | $157,000 |
| Q3 2024 | $288.7M | $77.8M | $3.7M | 139% | $164,000 |
| Q2 2024 | $293.4M | $81.9M | $3.7M | 149% | $8.6M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Alliance BankCommunity Bank · Lake City · $316.4M CRE book
- Fm Bank And TrustCommunity Bank · Blytheville · $315.5M CRE book
- Jonestown Bank and Trust Company, of Jonestown, PennsylvaniaCommunity Bank · Jonestown · $315.2M CRE book
- Dominion BankCommunity Bank · Dallas · $322.6M CRE book
- Dayspring BankCommunity Bank · Gothenburg · $323.6M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.