TX lenders / Community Bank
The First National Bank of Winnsboro
Community Bank · Winnsboro, TX · Etex Banco Inc
- Total assets
- $156.2M
- CRE loan book
- $55.9M
- QoQ CRE growth
- 17.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.53% as of Q1 2026 — TX bank median 6.76% (0.77pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.53% | 7.49% |
| Q4 2025 | 8.36% | 8.04% |
| Q3 2025 | 7.79% | 8.10% |
| Q2 2025 | 7.78% | 7.91% |
| Q1 2025 | 7.88% | 7.90% |
| Q4 2024 | 7.70% | 8.15% |
| Q3 2024 | 8.02% | 8.09% |
| Q2 2024 | 7.88% | 7.86% |
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 | $55.9M | $9.0M | $0 | 135% | $0 |
| Q4 2025 | $47.8M | $9.1M | $0 | 114% | $0 |
| Q3 2025 | $51.6M | $9.3M | $0 | 123% | $0 |
| Q2 2025 | $52.4M | $10.5M | $0 | 126% | $0 |
| Q1 2025 | $52.4M | $9.9M | $0 | 129% | $0 |
| Q4 2024 | $52.2M | $10.5M | $0 | 131% | $0 |
| Q3 2024 | $51.4M | $10.4M | $0 | 115% | $0 |
| Q2 2024 | $47.5M | $11.4M | $0 | 105% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Tanager BankCommunity Bank · Jackson · $56.1M CRE book
- First Texoma National BankCommunity Bank · Durant · $56.2M CRE book
- The Lyon County State BankCommunity Bank · Emporia · $56.2M CRE book
- Bank of Abbeville & Trust CompanyCommunity Bank · Abbeville · $55.2M CRE book
- Manhattan BankCommunity Bank · Manhattan · $55.1M CRE book
See all alternatives to The First National Bank of Winnsboro →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.