TX lenders / Community Bank
Cendera Bank
Community Bank · Bells, TX · Cendera Financial Holdings Inc
- Total assets
- $228.9M
- CRE loan book
- $83.8M
- QoQ CRE growth
- 3.1%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 3, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.39% as of Q1 2026 — TX bank median 4.87% (2.52pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.39% | 7.51% |
| Q4 2025 | 7.63% | 7.71% |
| Q3 2025 | 7.84% | 7.99% |
| Q2 2025 | 7.88% | 8.00% |
| Q1 2025 | 7.45% | 7.70% |
| Q4 2024 | 7.71% | 7.81% |
| Q3 2024 | 7.44% | 7.66% |
| Q2 2024 | 7.43% | 7.75% |
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 | $83.8M | $29.1M | $2.0M | 250% | $0 |
| Q4 2025 | $81.3M | $20.2M | $2.0M | 238% | $0 |
| Q3 2025 | $90.4M | $21.0M | $2.0M | 259% | $173,000 |
| Q2 2025 | $83.1M | $21.0M | $2.0M | 240% | $676,000 |
| Q1 2025 | $87.1M | $25.0M | $0 | 266% | $745,000 |
| Q4 2024 | $78.7M | $25.4M | $0 | 239% | $752,000 |
| Q3 2024 | $74.6M | $21.3M | $2.4M | 217% | $66,000 |
| Q2 2024 | $72.0M | $23.9M | $2.4M | 210% | $66,000 |
Cendera Bank: frequently asked questions
- How large is Cendera Bank's commercial real estate loan book?
- As of Q1 2026, Cendera Bank reported $83.8M in commercial real estate loans out of $228.9M in total assets, per its FFIEC Call Report.
- Is Cendera Bank above the 300% CRE concentration guideline?
- Cendera Bank's CRE loans stood at 250% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Cendera Bank growing or shrinking its CRE lending?
- Cendera Bank's CRE loan book grew 3.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Cendera Bank in recorded CRE lending?
- 1 commercial deed of trust naming Cendera Bank as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Aug 3, 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.
- Eastern Michigan BankCommunity Bank · Croswell · $83.9M CRE book
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- Incommons Bank, N.A.Community Bank · Mexia · $84.2M CRE book
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- GNB BankCommunity Bank · Grundy Center · $83.0M CRE book
Markets where Cendera Bank lends
Cendera 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 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.