TX lenders / Community Bank
The Pecos County State Bank
Community Bank · Fort Stockton, TX · Pecos County Bancshares Inc
- Total assets
- $324.5M
- CRE loan book
- $60.7M
- QoQ CRE growth
- -0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.79% as of Q1 2026 — TX bank median 6.76% (1.03pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.79% | 8.08% |
| Q4 2025 | 8.13% | 8.16% |
| Q3 2025 | 7.75% | 7.94% |
| Q2 2025 | 8.04% | 7.92% |
| Q1 2025 | 8.63% | 8.50% |
| Q4 2024 | 8.27% | 8.18% |
| Q3 2024 | 8.60% | 8.76% |
| Q2 2024 | 8.38% | 8.47% |
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 | $60.7M | $146,000 | $143,000 | 38% | $675,000 |
| Q4 2025 | $60.9M | $147,000 | $0 | 36% | $697,000 |
| Q3 2025 | $61.3M | $149,000 | $0 | 37% | $718,000 |
| Q2 2025 | $61.6M | $150,000 | $0 | 40% | $742,000 |
| Q1 2025 | $60.6M | $152,000 | $0 | 39% | $762,000 |
| Q4 2024 | $63.2M | $153,000 | $0 | 42% | $2.5M |
| Q3 2024 | $60.7M | $121,000 | $0 | 44% | $0 |
| Q2 2024 | $58.9M | $121,000 | $0 | 45% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.