TX lenders / Community Bank
American First National Bank
Community Bank · Houston, TX · Afnb Holdings Inc
- Total assets
- $2.9B
- CRE loan book
- $2.1B
- QoQ CRE growth
- -1.6%
- Q1 2026
Recorded CRE activity — harris County
5 commercial deeds of trust recorded recently, verified from county records.
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · landundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 29, 2026 · unknownundisclosed
- Jun 25, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.33% as of Q1 2026 — TX bank median 6.76% (1.57pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.33% | 8.25% |
| Q4 2025 | 7.36% | 7.37% |
| Q3 2025 | 7.49% | 7.51% |
| Q2 2025 | 7.27% | 7.30% |
| Q1 2025 | 7.08% | 7.13% |
| Q4 2024 | 7.32% | 7.35% |
| Q3 2024 | 7.31% | 7.34% |
| Q2 2024 | 7.04% | 7.10% |
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 | $2.1B | $142.6M | $69.4M | 276% | $6.4M |
| Q4 2025 | $2.1B | $139.3M | $90.4M | 292% | $32.3M |
| Q3 2025 | $2.1B | $143.8M | $85.3M | 282% | $32.6M |
| Q2 2025 | $2.1B | $143.8M | $95.5M | 296% | $38.6M |
| Q1 2025 | $2.1B | $173.4M | $89.2M | 318% | $30.8M |
| Q4 2024 | $2.1B | $190.6M | $89.8M | 330% | $28.4M |
| Q3 2024 | $2.1B | $175.2M | $92.0M | 316% | $29.5M |
| Q2 2024 | $2.1B | $155.0M | $89.9M | 322% | $31.4M |
American First National Bank: frequently asked questions
- How large is American First National Bank's commercial real estate loan book?
- As of Q1 2026, American First National Bank reported $2.1B in commercial real estate loans out of $2.9B in total assets, per its FFIEC Call Report.
- Is American First National Bank above the 300% CRE concentration guideline?
- American First National Bank's CRE loans stood at 276% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is American First National Bank growing or shrinking its CRE lending?
- American First National Bank's CRE loan book shrank 1.6% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is American First National Bank in recorded CRE lending?
- 5 commercial deeds of trust naming American First National Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jun 30, 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.
- The Fidelity BankCommunity Bank · Fuquay Varina · $2.1B CRE book
- Sunflower Bank, National AssociationCommunity Bank · Dallas · $2.1B CRE book
- First International Bank & TrustCommunity Bank · Watford City · $2.2B CRE book
- Bar Harbor Bank & TrustCommunity Bank · Bar Harbor · $2.0B CRE book
- State Bank of TexasCommunity Bank · Irving · $2.2B CRE book
Markets where American First National Bank lends
American First National Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
San Antonio
San Antonio (Bexar County)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.