TX lenders / Community Bank
Zavala County Bank
Community Bank · Crystal City, TX
- Total assets
- $79.5M
- CRE loan book
- $1.1M
- QoQ CRE growth
- 0.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.66% as of Q1 2026 — TX bank median 6.76% (1.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.66% | 8.38% |
| Q4 2025 | 9.29% | 8.93% |
| Q3 2025 | 9.77% | 9.94% |
| Q2 2025 | 9.34% | 9.32% |
| Q1 2025 | 9.62% | 9.14% |
| Q4 2024 | 10.67% | 9.78% |
| Q3 2024 | 11.15% | 9.89% |
| Q2 2024 | 11.01% | 9.84% |
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 | $1.1M | $0 | $0 | 9% | $0 |
| Q4 2025 | $1.1M | $0 | $0 | 9% | $0 |
| Q3 2025 | $1.1M | $0 | $0 | 9% | $0 |
| Q2 2025 | $1.1M | $0 | $0 | 10% | $0 |
| Q1 2025 | $1.1M | $0 | $0 | 10% | $0 |
| Q4 2024 | $1.1M | $0 | $0 | 10% | $0 |
| Q3 2024 | $1.2M | $0 | $0 | 9% | $0 |
| Q2 2024 | $1.0M | $0 | $0 | 8% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of Van OrinCommunity Bank · Van Orin · $1.1M CRE book
- Fairview State Banking CompanyCommunity Bank · Fairview · $1.1M CRE book
- The Baxter State BankCommunity Bank · Baxter Springs · $1.0M CRE book
- Peoples State Bank of ColfaxCommunity Bank · Colfax · $1.0M CRE book
- The First State BankCommunity Bank · Ness City · $1.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.