VA lenders / Community Bank
The Bank of Charlotte County
Community Bank · Phenix, VA · Bcc Bankshares Inc
- Total assets
- $224.2M
- CRE loan book
- $33.5M
- QoQ CRE growth
- 6.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.22% as of Q1 2026 — TX bank median 4.87% (1.36pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.22% | 6.27% |
| Q4 2025 | 6.26% | 6.33% |
| Q3 2025 | 6.32% | 6.44% |
| Q2 2025 | 6.19% | 6.33% |
| Q1 2025 | 6.06% | 6.22% |
| Q4 2024 | 6.12% | 6.35% |
| Q3 2024 | 5.96% | 6.16% |
| Q2 2024 | 5.82% | 6.00% |
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 | $33.5M | $5.2M | $2.2M | 52% | $191,000 |
| Q4 2025 | $31.4M | $4.2M | $2.3M | 49% | $193,000 |
| Q3 2025 | $33.6M | $6.0M | $2.3M | 55% | $29,000 |
| Q2 2025 | $33.9M | $5.6M | $2.5M | 56% | $32,000 |
| Q1 2025 | $33.3M | $6.6M | $2.5M | 64% | $34,000 |
| Q4 2024 | $35.0M | $7.5M | $2.6M | 71% | $38,000 |
| Q3 2024 | $33.5M | $7.5M | $2.6M | 66% | $40,000 |
| Q2 2024 | $31.0M | $5.8M | $1.4M | 56% | $42,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Warren-Boynton State BankCommunity Bank · New Berlin · $33.3M CRE book
- Apollo Trust CompanyCommunity Bank · Apollo · $33.2M CRE book
- Community Point BankCommunity Bank · Russellville · $33.2M CRE book
- West Central BankCommunity Bank · Ashland · $33.9M CRE book
- The Cowboy Bank of TexasCommunity Bank · Maypearl · $33.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.