TX lenders / Community Bank
Sundown State Bank
Community Bank · Sundown, TX · Sundown Bankshares Inc
- Total assets
- $319.7M
- CRE loan book
- $62.2M
- QoQ CRE growth
- -7.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.46% as of Q1 2026 — TX bank median 6.76% (0.30pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.46% | 6.95% |
| Q4 2025 | 6.38% | 7.41% |
| Q3 2025 | 7.08% | 7.96% |
| Q2 2025 | 6.17% | 7.13% |
| Q1 2025 | 6.24% | 7.12% |
| Q4 2024 | 6.21% | 7.26% |
| Q3 2024 | 6.14% | 7.43% |
| Q2 2024 | 6.06% | 7.23% |
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 | $62.2M | $12.9M | $0 | 98% | $0 |
| Q4 2025 | $67.1M | $11.8M | $4.5M | 124% | $0 |
| Q3 2025 | $75.3M | $14.5M | $9.0M | 149% | $0 |
| Q2 2025 | $74.6M | $16.1M | $9.0M | 155% | $0 |
| Q1 2025 | $76.2M | $17.6M | $9.2M | 170% | $0 |
| Q4 2024 | $75.5M | $17.0M | $9.2M | 175% | $0 |
| Q3 2024 | $81.2M | $21.8M | $9.2M | 191% | $0 |
| Q2 2024 | $83.1M | $23.6M | $9.2M | 205% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants BankCommunity Bank · Laotto · $62.2M CRE book
- Farmers State BankCommunity Bank · Pittsfield · $62.3M CRE book
- Sanger BankCommunity Bank · Sanger · $61.9M CRE book
- The Napoleon State BankCommunity Bank · Napoleon · $61.6M CRE book
- First State Bank of ForrestCommunity Bank · Forrest · $61.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.