TX lenders / Community Bank
State National Bank
Community Bank · Groom, TX · Groom Bancshares Inc
- Total assets
- $60.9M
- CRE loan book
- $16.8M
- QoQ CRE growth
- -5.9%
- 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% | 7.70% |
| Q4 2025 | 7.53% | 8.04% |
| Q3 2025 | 5.63% | 7.73% |
| Q2 2025 | 8.53% | 8.33% |
| Q1 2025 | 6.21% | 8.23% |
| Q4 2024 | 5.62% | 8.81% |
| Q3 2024 | 5.25% | 8.38% |
| Q2 2024 | 4.54% | 8.11% |
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 | $16.8M | $1.8M | $0 | 132% | $0 |
| Q4 2025 | $17.9M | $2.2M | $0 | 155% | $0 |
| Q3 2025 | $16.0M | $1.5M | $0 | 149% | $0 |
| Q2 2025 | $14.8M | $1.2M | $0 | 123% | $0 |
| Q1 2025 | $14.5M | $1.1M | $0 | 98% | $0 |
| Q4 2024 | $7.5M | $594,000 | $0 | 7% | $121,000 |
| Q3 2024 | $6.4M | $410,000 | $0 | 4% | $126,000 |
| Q2 2024 | $6.0M | $282,000 | $0 | 3% | $127,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Kansas State BankCommunity Bank · Ottawa · $16.9M CRE book
- Farmers Savings Bank & TrustCommunity Bank · Traer · $16.9M CRE book
- State Savings BankCommunity Bank · Bedford · $17.0M CRE book
- Bank of MonticelloCommunity Bank · Monticello · $17.1M CRE book
- Wells River Savings BankCommunity Bank · Wells River · $17.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.