TX lenders / Community Bank
American Bank, National Association
Community Bank · Waco, TX · American Natl Bancshares Inc
- Total assets
- $628.1M
- CRE loan book
- $236.2M
- QoQ CRE growth
- 1.3%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
4 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.25% (4 variable / 0 fixed) · $12.2M total approved.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 20, 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: 6.17% as of Q1 2026 — TX bank median 6.76% (0.59pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.17% | 6.24% |
| Q4 2025 | 6.25% | 6.35% |
| Q3 2025 | 6.17% | 6.20% |
| Q2 2025 | 5.93% | 6.01% |
| Q1 2025 | 5.84% | 5.89% |
| Q4 2024 | 5.84% | 5.88% |
| Q3 2024 | 5.80% | 5.85% |
| Q2 2024 | 5.59% | 5.65% |
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 | $236.2M | $61.1M | $13.5M | 240% | $0 |
| Q4 2025 | $233.2M | $59.4M | $13.7M | 242% | $0 |
| Q3 2025 | $231.5M | $63.5M | $13.4M | 248% | $1.8M |
| Q2 2025 | $228.1M | $60.2M | $10.8M | 239% | $1.8M |
| Q1 2025 | $225.8M | $55.8M | $11.0M | 235% | $2.3M |
| Q4 2024 | $228.7M | $53.9M | $11.1M | 246% | $2.4M |
| Q3 2024 | $219.0M | $52.6M | $11.2M | 230% | $2.7M |
| Q2 2024 | $220.7M | $57.5M | $11.3M | 245% | $3.0M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Community BankCommunity Bank · Harbor Springs · $236.9M CRE book
- First State BankCommunity Bank · Russellville · $234.9M CRE book
- Southwest BankCommunity Bank · Odessa · $234.6M CRE book
- West Plains Bank and Trust CompanyCommunity Bank · West Plains · $234.6M CRE book
- Diamond BankCommunity Bank · Murfreesboro · $232.6M CRE book
See all alternatives to American Bank, National Association →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.