TX lenders / Community Bank
The First Bank of Celeste
Community Bank · Celeste, TX · Metroplex North Bancshares Inc
- Total assets
- $83.7M
- CRE loan book
- $8.7M
- QoQ CRE growth
- 7.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.48% as of Q1 2026 — TX bank median 6.76% (0.28pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.48% | 6.94% |
| Q4 2025 | 6.87% | 7.12% |
| Q3 2025 | 6.58% | 7.16% |
| Q2 2025 | 6.24% | 6.91% |
| Q1 2025 | 6.31% | 6.87% |
| Q4 2024 | 6.49% | 6.97% |
| Q3 2024 | 6.28% | 6.68% |
| Q2 2024 | 6.18% | 6.57% |
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 | $8.7M | $4.4M | $386,000 | 92% | $0 |
| Q4 2025 | $8.1M | $3.7M | $396,000 | 84% | $0 |
| Q3 2025 | $8.0M | $3.5M | $413,000 | 83% | $0 |
| Q2 2025 | $7.6M | $2.7M | $424,000 | 77% | $0 |
| Q1 2025 | $7.0M | $2.0M | $434,000 | 69% | $0 |
| Q4 2024 | $7.6M | $2.7M | $444,000 | 79% | $0 |
| Q3 2024 | $8.0M | $3.1M | $453,000 | 87% | $0 |
| Q2 2024 | $8.9M | $4.2M | $462,000 | 105% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Dalhart Federal Savings & Loan Association, SSBCommunity Bank · Dalhart · $8.7M CRE book
- The Farmers and Merchants BankCommunity Bank · Caldwell · $8.8M CRE book
- McClave State BankCommunity Bank · Mcclave · $8.5M CRE book
- Generations BankCommunity Bank · Seneca Falls · $8.4M CRE book
- First State Bank of BrownsboroCommunity Bank · Brownsboro · $8.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.