TX lenders / Community Bank
Shelby Savings Bank, SSB
Community Bank · Center, TX · Shelby Bancshares Inc
- Total assets
- $455.2M
- CRE loan book
- $58.7M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.37% as of Q1 2026 — TX bank median 6.76% (0.39pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.37% | 7.04% |
| Q4 2025 | 6.55% | 7.24% |
| Q3 2025 | 6.50% | 7.25% |
| Q2 2025 | 6.33% | 7.18% |
| Q1 2025 | 6.17% | 6.97% |
| Q4 2024 | 6.41% | 7.14% |
| Q3 2024 | 5.93% | 6.93% |
| Q2 2024 | 6.11% | 6.96% |
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 | $58.7M | $20.1M | $3.2M | 96% | $843,000 |
| Q4 2025 | $58.1M | $19.7M | $3.2M | 92% | $11,000 |
| Q3 2025 | $58.3M | $20.4M | $3.2M | 91% | $12,000 |
| Q2 2025 | $50.6M | $19.2M | $3.8M | 79% | $12,000 |
| Q1 2025 | $53.5M | $21.6M | $3.8M | 85% | $13,000 |
| Q4 2024 | $47.5M | $19.6M | $3.9M | 73% | $13,000 |
| Q3 2024 | $42.9M | $16.5M | $3.9M | 64% | $15,000 |
| Q2 2024 | $37.7M | $17.0M | $4.0M | 55% | $15,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens Progressive BankCommunity Bank · Winnsboro · $58.5M CRE book
- Partners Bank of WisconsinCommunity Bank · Marshfield · $58.8M CRE book
- The Jefferson BankCommunity Bank · Greenville · $58.3M CRE book
- The Farmers BankCommunity Bank · Nicholasville · $59.1M CRE book
- The Citizens State BankCommunity Bank · Marysville · $58.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.