TX lenders / Community Bank
Bank of South Texas
Community Bank · Mcallen, TX
- Total assets
- $170.6M
- CRE loan book
- $80.1M
- QoQ CRE growth
- 1.4%
- Q1 2026
Recorded CRE activity — harris County
3 commercial deeds of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 9.97% as of Q1 2026 — TX bank median 6.76% (3.22pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 9.97% | 9.74% |
| Q4 2025 | 10.27% | 10.10% |
| Q3 2025 | 10.90% | 10.79% |
| Q2 2025 | 10.81% | 10.66% |
| Q1 2025 | 10.57% | 10.45% |
| Q4 2024 | 10.47% | 10.35% |
| Q3 2024 | 11.09% | 10.89% |
| Q2 2024 | 10.13% | 10.02% |
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 | $80.1M | $52.0M | $750,000 | 230% | $0 |
| Q4 2025 | $79.0M | $54.6M | $987,000 | 230% | $290,000 |
| Q3 2025 | $76.9M | $57.5M | $1.1M | 243% | $290,000 |
| Q2 2025 | $75.1M | $58.3M | $1.1M | 239% | $290,000 |
| Q1 2025 | $72.4M | $55.6M | $1.3M | 239% | $290,000 |
| Q4 2024 | $64.2M | $47.5M | $1.3M | 212% | $290,000 |
| Q3 2024 | $65.8M | $48.9M | $1.4M | 219% | $224,000 |
| Q2 2024 | $71.8M | $54.7M | $1.4M | 249% | $224,000 |
Bank of South Texas: frequently asked questions
- How large is Bank of South Texas's commercial real estate loan book?
- As of Q1 2026, Bank of South Texas reported $80.1M in commercial real estate loans out of $170.6M in total assets, per its FFIEC Call Report.
- Is Bank of South Texas above the 300% CRE concentration guideline?
- Bank of South Texas's CRE loans stood at 230% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Bank of South Texas growing or shrinking its CRE lending?
- Bank of South Texas's CRE loan book grew 1.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Bank of South Texas in recorded CRE lending?
- 3 commercial deeds of trust naming Bank of South Texas as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 2, 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 National Bank of AndrewsCommunity Bank · Andrews · $80.5M CRE book
- Community BankCommunity Bank · Longview · $80.7M CRE book
- National Bank & TrustCommunity Bank · La Grange · $79.2M CRE book
- First National Bank of BurlesonCommunity Bank · Burleson · $81.2M CRE book
- Farmers State BankCommunity Bank · Center · $81.4M CRE book
Markets where Bank of South Texas lends
Bank of South Texas 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 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.