SD lenders / Community Bank
1st Financial Bank USA
Community Bank · Dakota Dunes, SD
- Total assets
- $1.3B
- CRE loan book
- $182.0M
- QoQ CRE growth
- 15.8%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 31, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 10.48% as of Q1 2026 — TX bank median 4.87% (5.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 10.48% | 14.99% |
| Q4 2025 | 10.73% | 15.12% |
| Q3 2025 | 10.81% | 15.74% |
| Q2 2025 | 10.96% | 15.71% |
| Q1 2025 | 10.64% | 15.76% |
| Q4 2024 | 10.37% | 16.10% |
| Q3 2024 | 10.39% | 16.07% |
| Q2 2024 | 10.33% | 15.79% |
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 | $182.0M | $151.8M | $24.2M | 73% | $197,000 |
| Q4 2025 | $157.2M | $142.4M | $8.8M | 63% | $1.5M |
| Q3 2025 | $157.4M | $143.0M | $8.8M | 64% | $197,000 |
| Q2 2025 | $148.0M | $133.8M | $9.7M | 61% | $195,000 |
| Q1 2025 | $139.0M | $124.7M | $9.8M | 57% | $195,000 |
| Q4 2024 | $135.2M | $123.2M | $11.1M | 59% | $1.5M |
| Q3 2024 | $141.5M | $129.4M | $11.2M | 60% | $0 |
| Q2 2024 | $145.9M | $133.8M | $11.3M | 62% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- SouthTrust Bank, N.A.Community Bank · George West · $181.9M CRE book
- The Savings BankCommunity Bank · Wakefield · $182.3M CRE book
- Global One BankCommunity Bank · Houston · $182.5M CRE book
- First Pacific BankCommunity Bank · Whittier · $183.5M CRE book
- Community Bank of LouisianaCommunity Bank · Mansfield · $180.3M CRE book
Markets where 1st Financial Bank USA lends
1st Financial Bank USA 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 31, 2026 · Sources: FFIEC CDR, county records, first-party conversations.