TX lenders / Community Bank
The City National Bank of Sulphur Springs
Community Bank · Sulphur Springs, TX · Sulphur Springs Bancshares Inc
- Total assets
- $1.4B
- CRE loan book
- $351.1M
- QoQ CRE growth
- 1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.96% as of Q1 2026 — TX bank median 6.76% (0.20pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.96% | 7.21% |
| Q4 2025 | 7.09% | 7.36% |
| Q3 2025 | 6.92% | 7.23% |
| Q2 2025 | 6.84% | 7.12% |
| Q1 2025 | 6.73% | 6.99% |
| Q4 2024 | 6.81% | 7.06% |
| Q3 2024 | 6.73% | 7.01% |
| Q2 2024 | 6.54% | 6.86% |
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 | $351.1M | $102.5M | $36.4M | 181% | $0 |
| Q4 2025 | $346.3M | $119.5M | $42.2M | 183% | $5.4M |
| Q3 2025 | $335.3M | $123.1M | $40.4M | 178% | $6.5M |
| Q2 2025 | $318.8M | $105.5M | $42.7M | 188% | $6.6M |
| Q1 2025 | $314.4M | $97.1M | $50.0M | 186% | $27,000 |
| Q4 2024 | $307.3M | $95.8M | $50.4M | 191% | $28,000 |
| Q3 2024 | $302.2M | $101.2M | $50.8M | 189% | $30,000 |
| Q2 2024 | $290.2M | $97.5M | $51.4M | 181% | $32,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- SouthStar Bank, S.S.B.Community Bank · Moulton · $349.8M CRE book
- Fidelity Bank & TrustCommunity Bank · Dubuque · $352.9M CRE book
- Legend Bank, N.A.Community Bank · Bowie · $357.3M CRE book
- First Liberty BankCommunity Bank · Oklahoma City · $358.0M CRE book
- Wood & Huston BankCommunity Bank · Marshall · $359.8M CRE book
See all alternatives to The City National Bank of Sulphur Springs →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.