TX lenders / Community Bank
Cornerstone Capital Bank, SSB
Community Bank · Houston, TX · Cornerstone Capital Bcorp Inc
- Total assets
- $3.8B
- CRE loan book
- $612.8M
- QoQ CRE growth
- 130.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.15% as of Q1 2026 — TX bank median 6.76% (1.60pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.15% | 5.36% |
| Q4 2025 | 5.50% | 5.79% |
| Q3 2025 | 5.33% | 5.67% |
| Q2 2025 | 6.07% | 6.30% |
| Q1 2025 | 5.15% | 5.51% |
| Q4 2024 | 5.40% | 5.91% |
| Q3 2024 | 5.76% | 6.38% |
| Q2 2024 | 5.95% | 6.50% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $612.8M | $216.1M | $41.3M | 123% | $308,000 |
| Q4 2025 | $265.6M | $85.3M | $36.5M | 60% | $3.7M |
| Q3 2025 | $240.7M | $79.0M | $26.6M | 60% | $3.9M |
| Q2 2025 | $230.5M | $71.3M | $20.6M | 54% | $0 |
| Q1 2025 | $199.2M | $64.7M | $20.6M | 45% | $364,000 |
| Q4 2024 | $161.3M | $63.4M | $20.3M | 42% | $0 |
| Q3 2024 | $125.3M | $52.0M | $20.3M | 31% | $0 |
| Q2 2024 | $104.4M | $33.4M | $20.3M | 26% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Waterloo · $608.1M CRE book
- Blue Sky BankCommunity Bank · Pawhuska · $618.9M CRE book
- United Bank of MichiganCommunity Bank · Grand Rapids · $621.1M CRE book
- BOM BankCommunity Bank · Natchitoches · $602.0M CRE book
- Isabella BankCommunity Bank · Mount Pleasant · $599.7M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.