SC lenders / Community Bank
Southern Bank
Community Bank · Spartanburg, SC · Southern Financial Corp
- Total assets
- $400.2M
- CRE loan book
- $162.6M
- QoQ CRE growth
- 6.7%
- Q1 2026
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Aug 5, 2026 · unknownundisclosed
- Jul 6, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.87% as of Q1 2026 — TX bank median 4.87% (2.01pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.87% | 6.95% |
| Q4 2025 | 7.11% | 7.22% |
| Q3 2025 | 7.25% | 7.36% |
| Q2 2025 | 6.60% | 6.77% |
| Q1 2025 | 6.76% | 6.93% |
| Q4 2024 | 7.03% | 7.06% |
| Q3 2024 | 6.95% | 7.07% |
| Q2 2024 | 6.48% | 6.67% |
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 | $162.6M | $39.4M | $2.6M | 303% | $21,000 |
| Q4 2025 | $152.4M | $35.5M | $2.6M | 294% | $103,000 |
| Q3 2025 | $143.8M | $28.2M | $2.7M | 262% | $22,000 |
| Q2 2025 | $137.3M | $28.8M | $2.7M | 253% | $1.4M |
| Q1 2025 | $128.9M | $25.2M | $2.7M | 233% | $24,000 |
| Q4 2024 | $124.0M | $16.6M | $2.7M | 222% | $25,000 |
| Q3 2024 | $128.1M | $16.5M | $2.8M | 231% | $26,000 |
| Q2 2024 | $122.8M | $19.0M | $2.8M | 241% | $26,000 |
Signals
Recent news
- StoneX initiates coverage of Southern Missouri Bancorp stock - AD HOC NEWS — Coverage of Southern Bank related to commercial real estate and lending reported by ad-hoc-news.de.Oct 6, 2026
- Southern Missouri Bancorp stock reports a fiscal Q4 EPS beat - AD HOC NEWS — Coverage of Southern Bank related to commercial real estate and lending reported by ad-hoc-news.de.Oct 4, 2026
- Southern Missouri (NASDAQ: SMBC) holds hundreds of millions in uninsured deposits - Stock Titan — Coverage of Southern Bank related to commercial real estate and lending reported by stocktitan.net.Sep 11, 2026
- Great Southern Bancorp Inc (NASDAQ: GSBC) Share Price, GSBC Stock News, GSBC Share Price & Updates - kalkine.ca — Coverage of Southern Bank related to commercial real estate and lending reported by kalkine.ca.Aug 28, 2026
- Southern Bank of Tennessee hits new milestone, gears up for future growth - The Business Journals — Coverage of Southern Bank related to commercial real estate and lending reported by bizjournals.com.Aug 4, 2026
- SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 23, A - manilatimes.net — Coverage of Southern Bank related to commercial real estate and lending reported by manilatimes.net.Jul 23, 2026
- Great Southern Bancorp Q2 Earnings Call Highlights - MarketBeat — Coverage of Southern Bank related to earnings reported by marketbeat.com.Jul 16, 2026
- Great Southern Bancorp, Inc. Reports Preliminary Second Quarter Earnings of $1.43 Per Diluted Common Share - GlobeNewswire — Coverage of Southern Bank related to earnings reported by globenewswire.com.Jul 15, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- Century Bank and TrustCommunity Bank · Milledgeville · $163.4M CRE book
- Heritage Bank & TrustCommunity Bank · Columbia · $161.6M CRE book
- Cape Ann Savings BankCommunity Bank · Gloucester · $164.4M CRE book
- Southwest Capital BankCommunity Bank · Albuquerque · $160.5M CRE book
Markets where Southern Bank lends
Southern 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 Aug 5, 2026 · Sources: FFIEC CDR, county records, first-party conversations.