TX lenders / Community Bank
The First National Bank of Mertzon
Community Bank · Mertzon, TX
- Total assets
- $504.9M
- CRE loan book
- $40.7M
- QoQ CRE growth
- 21.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.24% as of Q1 2026 — TX bank median 6.76% (0.51pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.24% | 6.05% |
| Q4 2025 | 6.55% | 6.30% |
| Q3 2025 | 6.47% | 6.36% |
| Q2 2025 | 6.08% | 5.95% |
| Q1 2025 | 5.68% | 5.72% |
| Q4 2024 | 5.81% | 5.75% |
| Q3 2024 | 5.95% | 5.81% |
| Q2 2024 | 6.08% | 6.14% |
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 | $40.7M | $10.4M | $262,000 | 40% | $0 |
| Q4 2025 | $33.4M | $8.4M | $266,000 | 30% | $0 |
| Q3 2025 | $35.1M | $9.7M | $270,000 | 32% | $0 |
| Q2 2025 | $33.8M | $7.0M | $274,000 | 31% | $0 |
| Q1 2025 | $27.7M | $4.5M | $277,000 | 23% | $0 |
| Q4 2024 | $28.7M | $2.8M | $2.0M | 24% | $0 |
| Q3 2024 | $29.1M | $2.5M | $2.0M | 25% | $0 |
| Q2 2024 | $28.0M | $953,000 | $2.0M | 24% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Ipava State BankCommunity Bank · Lewistown · $40.6M CRE book
- Northwoods Bank of MinnesotaCommunity Bank · Park Rapids · $40.5M CRE book
- MA BankCommunity Bank · Macon · $40.9M CRE book
- First Fidelity BankCommunity Bank · Burke · $41.1M CRE book
- Longview Community BankCommunity Bank · Mount Pulaski · $41.3M CRE book
See all alternatives to The First National Bank of Mertzon →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.