TX lenders / Community Bank
The First National Bank in Cooper
Community Bank · Cooper, TX · Cooper Lake Financial Corp
- Total assets
- $58.2M
- CRE loan book
- $2.8M
- QoQ CRE growth
- 1.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.39% as of Q1 2026 — TX bank median 6.76% (1.36pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.39% | 5.48% |
| Q4 2025 | 5.52% | 5.66% |
| Q3 2025 | 5.39% | 5.52% |
| Q2 2025 | 5.44% | 5.51% |
| Q1 2025 | 5.36% | 5.39% |
| Q4 2024 | 5.28% | 5.41% |
| Q3 2024 | 5.55% | 5.67% |
| Q2 2024 | 5.11% | 5.23% |
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 | $2.8M | $1.1M | $0 | 31% | $0 |
| Q4 2025 | $2.8M | $1.0M | $0 | 31% | $0 |
| Q3 2025 | $2.9M | $1.0M | $0 | 32% | $0 |
| Q2 2025 | $2.9M | $1.0M | $0 | 33% | $0 |
| Q1 2025 | $3.1M | $1.1M | $0 | 35% | $0 |
| Q4 2024 | $2.6M | $837,000 | $0 | 28% | $0 |
| Q3 2024 | $2.7M | $440,000 | $0 | 29% | $0 |
| Q2 2024 | $2.5M | $126,000 | $0 | 26% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Chambers State BankCommunity Bank · Chambers · $2.8M CRE book
- Farmers and Merchants State Bank of SpringfieldCommunity Bank · Springfield · $2.7M CRE book
- Security State Bank of KenyonCommunity Bank · Kenyon · $3.0M CRE book
- Farmers and Merchants BankCommunity Bank · Arnett · $2.7M CRE book
- The First State Bank of ShelbyCommunity Bank · Shelby · $3.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.