TX lenders / Community Bank
The Bank of San Jacinto County, Coldspring, Texas
Community Bank · Coldspring, TX · Banc San Jacinto Cnty Bancshares
- Total assets
- $44.6M
- CRE loan book
- $1.8M
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.38% as of Q1 2026 — TX bank median 6.76% (0.37pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.38% | 7.99% |
| Q4 2025 | 6.53% | 8.48% |
| Q3 2025 | 7.45% | 8.23% |
| Q2 2025 | 7.03% | 8.68% |
| Q1 2025 | 7.06% | 7.90% |
| Q4 2024 | 6.63% | 8.64% |
| Q3 2024 | 6.97% | 7.96% |
| Q2 2024 | 7.03% | 8.00% |
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 | $1.8M | $634,000 | $0 | 23% | $0 |
| Q4 2025 | $1.8M | $534,000 | $0 | 23% | $0 |
| Q3 2025 | $1.7M | $0 | $0 | 22% | $0 |
| Q2 2025 | $1.3M | $842,000 | $0 | 17% | $0 |
| Q1 2025 | $533,000 | $280,000 | $0 | 7% | $0 |
| Q4 2024 | $552,000 | $291,000 | $0 | 8% | $0 |
| Q3 2024 | $740,000 | $467,000 | $0 | 10% | $0 |
| Q2 2024 | $553,000 | $260,000 | $0 | 8% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First Bank of OkarcheCommunity Bank · Okarche · $1.8M CRE book
- Farmers State Bank of EmdenCommunity Bank · Emden · $1.8M CRE book
- The Hopeton State BankCommunity Bank · Hopeton · $1.7M CRE book
- Nebraska State BankCommunity Bank · Bristow · $1.9M CRE book
- Security State Bank of OkleeCommunity Bank · Oklee · $1.9M CRE book
See all alternatives to The Bank of San Jacinto County, Coldspring, Texas →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.