TX lenders / Community Bank
American National Bank & Trust
Community Bank · Wichita Falls, TX · Ameribancshares Inc
- Total assets
- $2.5B
- CRE loan book
- $1.3B
- QoQ CRE growth
- 3.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.34% as of Q1 2026 — TX bank median 6.76% (0.42pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.34% | 6.48% |
| Q4 2025 | 6.51% | 6.65% |
| Q3 2025 | 6.53% | 6.68% |
| Q2 2025 | 6.39% | 6.53% |
| Q1 2025 | 6.29% | 6.42% |
| Q4 2024 | 6.40% | 6.52% |
| Q3 2024 | 6.50% | 6.61% |
| Q2 2024 | 6.16% | 6.35% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.3B | $284.0M | $74.2M | 398% | $3.6M |
| Q4 2025 | $1.2B | $276.3M | $68.4M | 392% | $2.7M |
| Q3 2025 | $1.2B | $287.3M | $56.6M | 390% | $6.0M |
| Q2 2025 | $1.2B | $261.4M | $52.5M | 386% | $5.3M |
| Q1 2025 | $1.1B | $235.3M | $52.8M | 383% | $5.5M |
| Q4 2024 | $1.2B | $250.5M | $56.5M | 401% | $5.5M |
| Q3 2024 | $1.1B | $258.3M | $51.9M | 395% | $1.8M |
| Q2 2024 | $1.1B | $252.7M | $51.9M | 393% | $2.0M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Carrollton BankCommunity Bank · Carrollton · $1.2B CRE book
- Pinnacle BankCommunity Bank · Fort Worth · $1.3B CRE book
- VeraBank, National AssociationCommunity Bank · Henderson · $1.4B CRE book
- Bank of StocktonCommunity Bank · Stockton · $1.4B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.