TX lenders / Community Bank
The National Bank of Andrews
Community Bank · Andrews, TX · Andrews Bancshares Inc
- Total assets
- $331.4M
- CRE loan book
- $80.5M
- QoQ CRE growth
- 1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.22% as of Q1 2026 — TX bank median 6.76% (0.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.22% | 7.39% |
| Q4 2025 | 7.69% | 7.50% |
| Q3 2025 | 7.81% | 8.03% |
| Q2 2025 | 7.62% | 7.89% |
| Q1 2025 | 7.41% | 7.85% |
| Q4 2024 | 7.61% | 8.01% |
| Q3 2024 | 7.69% | 8.30% |
| Q2 2024 | 7.40% | 7.98% |
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 | $80.5M | $8.7M | $922,000 | 67% | $5,000 |
| Q4 2025 | $79.1M | $8.8M | $788,000 | 71% | $5,000 |
| Q3 2025 | $74.1M | $5.6M | $1.0M | 58% | $6,000 |
| Q2 2025 | $72.9M | $3.7M | $624,000 | 50% | $6,000 |
| Q1 2025 | $72.5M | $4.2M | $630,000 | 51% | $6,000 |
| Q4 2024 | $77.1M | $7.0M | $635,000 | 76% | $7,000 |
| Q3 2024 | $78.3M | $8.6M | $346,000 | 77% | $8,000 |
| Q2 2024 | $78.0M | $9.1M | $347,000 | 81% | $8,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Sawyer Savings BankCommunity Bank · Saugerties · $80.7M CRE book
- Solutions BankCommunity Bank · Forreston · $81.3M CRE book
- Farmers State BankCommunity Bank · Center · $81.4M CRE book
- First State BankCommunity Bank · Webster City · $81.5M CRE book
- Prime Security BankCommunity Bank · Karlstad · $81.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.