TX lenders / Community Bank
Central Bank
Community Bank · Houston, TX · Central Bancshares Inc
- Total assets
- $1.3B
- CRE loan book
- $446.3M
- QoQ CRE growth
- 4.8%
- Q1 2026
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
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% | 7.16% |
| Q4 2025 | 6.45% | 7.43% |
| Q3 2025 | 6.56% | 7.90% |
| Q2 2025 | 6.38% | 7.52% |
| Q1 2025 | 6.22% | 7.36% |
| Q4 2024 | 6.30% | 7.76% |
| Q3 2024 | 6.37% | 7.96% |
| Q2 2024 | 6.29% | 7.70% |
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 | $446.3M | $120.6M | $7.3M | 222% | $0 |
| Q4 2025 | $426.0M | $124.9M | $7.3M | 224% | $0 |
| Q3 2025 | $425.1M | $121.7M | $7.4M | 230% | $0 |
| Q2 2025 | $411.1M | $114.4M | $7.4M | 227% | $0 |
| Q1 2025 | $393.4M | $109.9M | $7.4M | 233% | $0 |
| Q4 2024 | $388.3M | $116.8M | $7.5M | 236% | $0 |
| Q3 2024 | $361.9M | $98.3M | $5.2M | 219% | $0 |
| Q2 2024 | $346.4M | $88.0M | $7.4M | 210% | $0 |
Central Bank: frequently asked questions
- How large is Central Bank's commercial real estate loan book?
- As of Q1 2026, Central Bank reported $446.3M in commercial real estate loans out of $1.3B in total assets, per its FFIEC Call Report.
- Is Central Bank above the 300% CRE concentration guideline?
- Central Bank's CRE loans stood at 222% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Central Bank growing or shrinking its CRE lending?
- Central Bank's CRE loan book grew 4.8% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Central Bank in recorded CRE lending?
- 2 commercial deeds of trust naming Central Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 1, 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
- PB&T BankCommunity Bank · Pueblo · $450.3M CRE book
- NewFirst National BankCommunity Bank · El Campo · $450.5M CRE book
- Middletown Valley BankCommunity Bank · Middletown · $441.7M CRE book
- The Richwood Banking CompanyCommunity Bank · Richwood · $441.5M CRE book
Markets where Central Bank lends
Central 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 Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.