TX lenders / Community Bank
Round Top State Bank
Community Bank · Round Top, TX · Round Top Bancshares Inc
- Total assets
- $975.2M
- CRE loan book
- $254.6M
- QoQ CRE growth
- 3.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 6.76% (0.73pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.12% |
| Q4 2025 | 6.12% | 6.23% |
| Q3 2025 | 6.01% | 6.14% |
| Q2 2025 | 5.91% | 6.01% |
| Q1 2025 | 5.70% | 5.81% |
| Q4 2024 | 5.75% | 5.88% |
| Q3 2024 | 5.70% | 5.85% |
| Q2 2024 | 5.55% | 5.67% |
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 | $254.6M | $99.3M | $3.0M | 150% | $375,000 |
| Q4 2025 | $245.5M | $95.6M | $3.2M | 143% | $0 |
| Q3 2025 | $245.2M | $97.6M | $3.2M | 147% | $0 |
| Q2 2025 | $241.0M | $94.3M | $3.3M | 147% | $0 |
| Q1 2025 | $241.7M | $100.4M | $3.3M | 155% | $0 |
| Q4 2024 | $237.7M | $102.8M | $3.4M | 161% | $0 |
| Q3 2024 | $238.5M | $107.3M | $3.4M | 165% | $0 |
| Q2 2024 | $239.6M | $110.2M | $3.4M | 172% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank NebraskaCommunity Bank · Lincoln · $254.6M CRE book
- Pioneer Bank & TrustCommunity Bank · Belle Fourche · $254.4M CRE book
- United Southern BankCommunity Bank · Umatilla · $256.4M CRE book
- City State BankCommunity Bank · Norwalk · $256.6M CRE book
- Citizens BankCommunity Bank · Kilgore · $252.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.