WV lenders / Community Bank
First Exchange Bank
Community Bank · White Hall, WV · Heritage Bancshares Inc
- Total assets
- $385.2M
- CRE loan book
- $84.5M
- QoQ CRE growth
- -4.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.86% as of Q1 2026 — TX bank median 4.87% (1.00pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.86% | 5.98% |
| Q4 2025 | 5.86% | 6.03% |
| Q3 2025 | 5.75% | 5.92% |
| Q2 2025 | 5.72% | 5.87% |
| Q1 2025 | 5.45% | 5.69% |
| Q4 2024 | 5.48% | 5.84% |
| Q3 2024 | 5.32% | 5.59% |
| Q2 2024 | 5.27% | 5.55% |
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 | $84.5M | $5.7M | $18.4M | 127% | $3.5M |
| Q4 2025 | $88.3M | $5.5M | $17.4M | 137% | $3.1M |
| Q3 2025 | $88.8M | $5.0M | $17.0M | 136% | $3.8M |
| Q2 2025 | $92.1M | $4.3M | $17.1M | 146% | $3.7M |
| Q1 2025 | $92.9M | $4.6M | $17.5M | 146% | $2.7M |
| Q4 2024 | $95.5M | $4.7M | $19.0M | 153% | $2.8M |
| Q3 2024 | $96.4M | $4.8M | $19.1M | 153% | $2.9M |
| Q2 2024 | $97.1M | $5.0M | $19.2M | 154% | $1.2M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
- Patrons Bank, National AssociationCommunity Bank · Okmulgee · $84.8M CRE book
- Farmers Savings BankCommunity Bank · Mineral Point · $84.9M CRE book
- Incommons Bank, N.A.Community Bank · Mexia · $84.2M CRE book
- The Friendship State BankCommunity Bank · Friendship · $85.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.