TX lenders / Community Bank
Spur Security Bank
Community Bank · Spur, TX · Dry Lake Financial Llc
- Total assets
- $130.0M
- CRE loan book
- $29.5M
- QoQ CRE growth
- 4.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.29% as of Q1 2026 — TX bank median 6.76% (0.53pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.29% | 7.51% |
| Q4 2025 | 7.79% | 7.95% |
| Q3 2025 | 7.99% | 8.08% |
| Q2 2025 | 8.19% | 8.26% |
| Q1 2025 | 8.13% | 8.19% |
| Q4 2024 | 8.62% | 8.66% |
| Q3 2024 | 8.69% | 8.79% |
| Q2 2024 | 7.65% | 8.35% |
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 | $29.5M | $13.0M | $0 | 131% | $0 |
| Q4 2025 | $28.2M | $11.5M | $72,000 | 124% | $0 |
| Q3 2025 | $24.2M | $8.2M | $0 | 99% | $0 |
| Q2 2025 | $22.2M | $8.4M | $0 | 97% | $0 |
| Q1 2025 | $19.1M | $6.2M | $0 | 76% | $0 |
| Q4 2024 | $14.0M | $5.4M | $0 | 55% | $0 |
| Q3 2024 | $13.8M | $8.3M | $0 | 75% | $0 |
| Q2 2024 | $14.2M | $6.5M | $0 | 84% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Laona State BankCommunity Bank · Laona · $29.6M CRE book
- Clare Bank, National AssociationCommunity Bank · Platteville · $29.2M CRE book
- St. Clair County State BankCommunity Bank · Osceola · $29.8M CRE book
- Bank of RantoulCommunity Bank · Rantoul · $29.2M CRE book
- Iowa Falls State BankCommunity Bank · Iowa Falls · $29.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.