TX lenders / Community Bank
Capital Bank
Community Bank · Jacinto City, TX · Jsa Family Ltd Partnership
- Total assets
- $694.3M
- CRE loan book
- $446.1M
- QoQ CRE growth
- 2.0%
- Q1 2026
Recorded CRE activity — harris County
21 commercial deeds of trust recorded recently, verified from county records.
- Aug 19, 2026 · unknownundisclosed
- Aug 4, 2026 · unknownundisclosed
- Jul 31, 2026 · landundisclosed
- Jul 27, 2026 · landundisclosed
- Jul 24, 2026 · unknownundisclosed
- Jul 21, 2026 · unknownundisclosed
- Jul 16, 2026 · landundisclosed
- Jul 14, 2026 · unknownundisclosed
- Jul 13, 2026 · unknownundisclosed
- Jul 9, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
3 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.50% (3 variable / 0 fixed) · $3.8M total approved.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 26, 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: 6.71% as of Q1 2026 — TX bank median 4.87% (1.85pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.71% | 6.69% |
| Q4 2025 | 6.69% | 6.68% |
| Q3 2025 | 6.71% | 6.71% |
| Q2 2025 | 6.53% | 6.55% |
| Q1 2025 | 6.28% | 6.28% |
| Q4 2024 | 6.36% | 6.37% |
| Q3 2024 | 6.02% | 6.07% |
| Q2 2024 | 5.87% | 5.91% |
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 | $446.1M | $57.5M | $28.0M | 269% | $1.8M |
| Q4 2025 | $437.3M | $52.3M | $23.9M | 275% | $0 |
| Q3 2025 | $430.3M | $55.2M | $24.7M | 270% | $0 |
| Q2 2025 | $425.1M | $59.7M | $23.1M | 282% | $0 |
| Q1 2025 | $406.4M | $53.9M | $21.1M | 266% | $0 |
| Q4 2024 | $409.7M | $58.4M | $21.3M | 278% | $0 |
| Q3 2024 | $395.1M | $53.1M | $22.2M | 268% | $0 |
| Q2 2024 | $394.5M | $59.3M | $17.4M | 274% | $0 |
Signals
Recent news
- Q1 Earnings Highlights: Texas Capital Bank (NASDAQ:TCBI) Vs The Rest Of The Regional Banks Stocks - StockStory — Coverage of Capital Bank related to earnings reported by stockstory.org.Jun 18, 2026
- Gulf Capital Bank Adds Veteran Banker Allyson May to Expand Commercial Lending Relationships in Houston - citybiz — Coverage of Capital Bank related to lending reported by citybiz.co.May 26, 2026
Capital Bank: frequently asked questions
- How large is Capital Bank's commercial real estate loan book?
- As of Q1 2026, Capital Bank reported $446.1M in commercial real estate loans out of $694.3M in total assets, per its FFIEC Call Report.
- Is Capital Bank above the 300% CRE concentration guideline?
- Capital Bank's CRE loans stood at 269% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Capital Bank growing or shrinking its CRE lending?
- Capital Bank's CRE loan book grew 2.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Capital Bank in recorded CRE lending?
- 21 commercial deeds of trust naming Capital Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 19, 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.
- Katahdin Trust CompanyCommunity Bank · Patten · $445.7M CRE book
- First Service BankCommunity Bank · Greenbrier · $442.7M CRE book
- PB&T BankCommunity Bank · Pueblo · $450.3M CRE book
- Middletown Valley BankCommunity Bank · Middletown · $441.7M CRE book
- The Richwood Banking CompanyCommunity Bank · Richwood · $441.5M CRE book
Markets where Capital Bank lends
Capital Bank 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 Aug 19, 2026 · Sources: FFIEC CDR, county records, first-party conversations.