TX lenders / Community Bank
Commerce Bank
Community Bank · Laredo, TX · International Bancshares Corp
- Total assets
- $738.5M
- CRE loan book
- $83.7M
- QoQ CRE growth
- 29.6%
- Q1 2026
Recorded CRE activity — oh-franklin County
4 commercial deeds of trust recorded recently, verified from county records.
- Aug 3, 2026 · landundisclosed
- Aug 3, 2026 · unknownundisclosed
- Jul 21, 2026 · unknownundisclosed
- Jun 15, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.22% as of Q1 2026 — TX bank median 4.87% (2.36pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.22% | 7.08% |
| Q4 2025 | 7.26% | 7.12% |
| Q3 2025 | 8.70% | 8.21% |
| Q2 2025 | 7.57% | 7.39% |
| Q1 2025 | 8.39% | 7.82% |
| Q4 2024 | 7.74% | 7.75% |
| Q3 2024 | 8.24% | 8.15% |
| Q2 2024 | 8.24% | 8.11% |
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 | $83.7M | $36.9M | $87,000 | 52% | $0 |
| Q4 2025 | $64.6M | $34.3M | $31,000 | 52% | $0 |
| Q3 2025 | $62.8M | $31.6M | $31,000 | 51% | $0 |
| Q2 2025 | $60.1M | $30.9M | $1.1M | 38% | $0 |
| Q1 2025 | $56.6M | $26.5M | $1.1M | 37% | $0 |
| Q4 2024 | $63.7M | $27.4M | $3.1M | 45% | $0 |
| Q3 2024 | $67.0M | $25.0M | $5.0M | 46% | $0 |
| Q2 2024 | $72.6M | $28.4M | $5.3M | 46% | $0 |
Signals
Commerce Bank: frequently asked questions
- How large is Commerce Bank's commercial real estate loan book?
- As of Q1 2026, Commerce Bank reported $83.7M in commercial real estate loans out of $738.5M in total assets, per its FFIEC Call Report.
- Is Commerce Bank above the 300% CRE concentration guideline?
- Commerce Bank's CRE loans stood at 52% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Commerce Bank growing or shrinking its CRE lending?
- Commerce Bank's CRE loan book grew 29.6% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Commerce Bank in recorded CRE lending?
- 4 commercial deeds of trust naming Commerce Bank as lender have been recorded recently in oh-franklin 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.
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- Eastern Michigan BankCommunity Bank · Croswell · $83.9M CRE book
- Incommons Bank, N.A.Community Bank · Mexia · $84.2M CRE book
- GNB BankCommunity Bank · Grundy Center · $83.0M CRE book
- The Clinton National BankCommunity Bank · Clinton · $82.9M CRE book
Markets where Commerce Bank lends
Commerce Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Aug 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.