TX lenders / Community Bank
City Bank
Community Bank · Lubbock, TX · South Plains Financial Inc
- Total assets
- $4.6B
- CRE loan book
- $1.6B
- QoQ CRE growth
- -0.5%
- Q1 2026
Recorded CRE activity — brazos County
4 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 25, 2026 · unknownundisclosed
- Jun 25, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.50% as of Q1 2026 — TX bank median 6.76% (0.25pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.50% | 6.72% |
| Q4 2025 | 6.50% | 6.79% |
| Q3 2025 | 6.50% | 6.98% |
| Q2 2025 | 6.64% | 6.95% |
| Q1 2025 | 6.19% | 6.56% |
| Q4 2024 | 6.26% | 6.70% |
| Q3 2024 | 6.27% | 6.69% |
| Q2 2024 | 6.25% | 6.59% |
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 | $1.6B | $388.5M | $198.7M | 214% | $2.0M |
| Q4 2025 | $1.6B | $366.1M | $229.8M | 216% | $5.4M |
| Q3 2025 | $1.5B | $364.1M | $210.5M | 213% | $7.3M |
| Q2 2025 | $1.6B | $356.4M | $257.0M | 225% | $5.3M |
| Q1 2025 | $1.6B | $350.9M | $309.6M | 236% | $754,000 |
| Q4 2024 | $1.6B | $341.7M | $315.8M | 235% | $21.3M |
| Q3 2024 | $1.5B | $357.0M | $286.5M | 238% | $21.6M |
| Q2 2024 | $1.6B | $381.0M | $284.2M | 242% | $20.7M |
Signals
CRE hiring
City Bank: frequently asked questions
- How large is City Bank's commercial real estate loan book?
- As of Q1 2026, City Bank reported $1.6B in commercial real estate loans out of $4.6B in total assets, per its FFIEC Call Report.
- Is City Bank above the 300% CRE concentration guideline?
- City Bank's CRE loans stood at 214% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is City Bank growing or shrinking its CRE lending?
- City Bank's CRE loan book shrank 0.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is City Bank in recorded CRE lending?
- 4 commercial deeds of trust naming City Bank as lender have been recorded recently in brazos 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.
- Bank Five NineCommunity Bank · Oconomowoc · $1.6B CRE book
- Orange Bank & Trust CompanyCommunity Bank · Middletown · $1.5B CRE book
- Farmers & Merchants Bank of Central CaliforniaCommunity Bank · Lodi · $1.6B CRE book
- Lake Ridge BankCommunity Bank · Middleton · $1.5B CRE book
- Broadway National BankCommunity Bank · San Antonio · $1.7B CRE book
Markets where City Bank lends
City 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.