TX lenders / Community Bank
State Bank of De Kalb
Community Bank · De Kalb, TX
- Total assets
- $521.1M
- CRE loan book
- $127.4M
- QoQ CRE growth
- 2.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.55% as of Q1 2026 — TX bank median 6.76% (0.20pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.55% | 6.90% |
| Q4 2025 | 6.84% | 7.26% |
| Q3 2025 | 6.62% | 7.01% |
| Q2 2025 | 6.47% | 6.97% |
| Q1 2025 | 6.57% | 7.01% |
| Q4 2024 | 6.46% | 6.94% |
| Q3 2024 | 6.32% | 6.88% |
| Q2 2024 | 6.26% | 6.77% |
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 | $127.4M | $41.9M | $16.3M | 141% | $797,000 |
| Q4 2025 | $124.8M | $37.6M | $16.5M | 140% | $819,000 |
| Q3 2025 | $117.8M | $29.8M | $20.8M | 137% | $840,000 |
| Q2 2025 | $112.9M | $30.2M | $20.9M | 131% | $76,000 |
| Q1 2025 | $114.9M | $37.2M | $15.0M | 138% | $83,000 |
| Q4 2024 | $116.1M | $37.0M | $17.3M | 145% | $83,000 |
| Q3 2024 | $113.8M | $35.5M | $17.3M | 143% | $0 |
| Q2 2024 | $108.4M | $31.6M | $17.8M | 142% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- ValueBank TexasCommunity Bank · Corpus Christi · $127.2M CRE book
- Farmers and Merchants BankCommunity Bank · Baldwyn · $127.6M CRE book
- First State BankCommunity Bank · Buxton · $127.1M CRE book
- Exchange Bank and Trust CompanyCommunity Bank · Perry · $126.5M CRE book
- Lone Star BankCommunity Bank · Houston · $128.6M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.