CA lenders / Community Bank
US Metro Bank
Community Bank · Garden Grove, CA · Us Metro Bcorp
- Total assets
- $1.6B
- CRE loan book
- $948.4M
- QoQ CRE growth
- 2.3%
- Q1 2026
Recorded CRE activity — co-arapahoe County
6 commercial deeds of trust recorded recently, verified from county records.
- Jul 29, 2026 · unknownundisclosed
- Jul 14, 2026 · landundisclosed
- Jul 6, 2026 · unknownundisclosed
- Jul 6, 2026 · unknownundisclosed
- Jul 6, 2026 · unknownundisclosed
- Jul 6, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
32 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.00% (32 variable / 0 fixed) · $76.5M total approved.
Borrower cities: Houston (5), Tyler (2), San Antonio (2), Arlington (2), Gainesville, Denton.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 31, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.26% as of Q1 2026 — TX bank median 4.87% (1.39pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.26% | 6.36% |
| Q4 2025 | 6.40% | 6.52% |
| Q3 2025 | 6.61% | 6.71% |
| Q2 2025 | 6.49% | 6.56% |
| Q1 2025 | 6.23% | 6.27% |
| Q4 2024 | 6.58% | 6.67% |
| Q3 2024 | 6.67% | 6.69% |
| Q2 2024 | 6.49% | 6.47% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $948.4M | $30.6M | $54.9M | 381% | $19.7M |
| Q4 2025 | $927.5M | $28.8M | $59.3M | 383% | $18.8M |
| Q3 2025 | $918.1M | $31.2M | $59.3M | 421% | $17.8M |
| Q2 2025 | $867.4M | $30.5M | $59.7M | 405% | $13.8M |
| Q1 2025 | $848.2M | $29.1M | $60.3M | 415% | $12.4M |
| Q4 2024 | $812.4M | $34.0M | $56.3M | 410% | $8.7M |
| Q3 2024 | $782.0M | $32.3M | $54.2M | 396% | $4.7M |
| Q2 2024 | $775.4M | $30.7M | $53.8M | 398% | $3.6M |
US Metro Bank: frequently asked questions
- How large is US Metro Bank's commercial real estate loan book?
- As of Q1 2026, US Metro Bank reported $948.4M in commercial real estate loans out of $1.6B in total assets, per its FFIEC Call Report.
- Is US Metro Bank above the 300% CRE concentration guideline?
- US Metro Bank's CRE loans stood at 381% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is US Metro Bank growing or shrinking its CRE lending?
- US Metro Bank's CRE loan book grew 2.3% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is US Metro Bank in recorded CRE lending?
- 6 commercial deeds of trust naming US Metro Bank as lender have been recorded recently in co-arapahoe County, verified from county records; the most recent was recorded Jul 29, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- D. L. Evans BankCommunity Bank · Burley · $933.7M CRE book
- Kish BankCommunity Bank · Belleville · $928.7M CRE book
- National Exchange Bank and TrustCommunity Bank · Fond Du Lac · $925.5M CRE book
- Vallant BankCommunity Bank · Elberton · $920.9M CRE book
- Jefferson BankCommunity Bank · San Antonio · $981.2M CRE book
Markets where US Metro Bank lends
US Metro Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 29, 2026 · Sources: FFIEC CDR, county records, first-party conversations.