TX lenders / Community Bank
The First National Bank of Sterling City
Community Bank · Sterling City, TX · Sterling City Bancshares Inc
- Total assets
- $259.1M
- CRE loan book
- $3.3M
- QoQ CRE growth
- 52.7%
- 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% | 6.71% |
| Q4 2025 | 6.44% | 6.86% |
| Q3 2025 | 6.49% | 6.95% |
| Q2 2025 | 6.43% | 6.87% |
| Q1 2025 | 6.22% | 6.63% |
| Q4 2024 | 6.34% | 6.97% |
| Q3 2024 | 6.21% | 6.97% |
| Q2 2024 | 6.00% | 6.72% |
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 | $3.3M | $1.9M | $0 | 10% | $0 |
| Q4 2025 | $2.1M | $698,000 | $0 | 7% | $0 |
| Q3 2025 | $8.3M | $4.0M | $0 | 29% | $0 |
| Q2 2025 | $8.9M | $4.6M | $0 | 32% | $0 |
| Q1 2025 | $9.1M | $5.0M | $0 | 33% | $0 |
| Q4 2024 | $8.2M | $4.5M | $0 | 30% | $0 |
| Q3 2024 | $7.0M | $3.9M | $0 | 26% | $0 |
| Q2 2024 | $5.4M | $3.0M | $0 | 20% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First National Bank of HebbronvilleCommunity Bank · Hebbronville · $3.3M CRE book
- Junction National BankCommunity Bank · Junction · $3.1M CRE book
- Lovelady State BankCommunity Bank · Lovelady · $3.5M CRE book
- The First National Bank in CooperCommunity Bank · Cooper · $2.8M CRE book
- First National BankCommunity Bank · Rotan · $3.8M CRE book
See all alternatives to The First National Bank of Sterling City →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.