TX lenders / Community Bank
The First National Bank of Ballinger
Community Bank · Ballinger, TX · Texas Country Bancshares Inc
- Total assets
- $275.9M
- CRE loan book
- $95.6M
- QoQ CRE growth
- 6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.00% as of Q1 2026 — TX bank median 6.76% (0.25pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.00% | 7.82% |
| Q4 2025 | 7.08% | 7.39% |
| Q3 2025 | 7.23% | 7.55% |
| Q2 2025 | 6.94% | 7.47% |
| Q1 2025 | 6.78% | 7.05% |
| Q4 2024 | 6.89% | 7.24% |
| Q3 2024 | 6.87% | 7.36% |
| Q2 2024 | 6.32% | 6.78% |
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 | $95.6M | $18.2M | $7.5M | 228% | $0 |
| Q4 2025 | $90.2M | $15.9M | $7.6M | 206% | $0 |
| Q3 2025 | $94.1M | $16.5M | $7.6M | 225% | $0 |
| Q2 2025 | $94.5M | $17.0M | $7.5M | 234% | $0 |
| Q1 2025 | $99.7M | $16.4M | $7.7M | 252% | $0 |
| Q4 2024 | $101.5M | $21.6M | $8.8M | 257% | $0 |
| Q3 2024 | $100.5M | $21.1M | $7.4M | 256% | $0 |
| Q2 2024 | $92.0M | $18.6M | $7.1M | 216% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- American State Bank & Trust Company of WillistonCommunity Bank · Williston · $95.9M CRE book
- First State Bank of BurnetCommunity Bank · Burnet · $95.3M CRE book
- Security Savings BankCommunity Bank · Canton · $95.0M CRE book
- Durden Banking Company, IncorporatedCommunity Bank · Twin City · $96.8M CRE book
- First Farmers & Merchants BankCommunity Bank · Cannon Falls · $93.6M CRE book
See all alternatives to The First National Bank of Ballinger →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.