TX lenders / Community Bank
First Capital Bank
Community Bank · Quanah, TX · Quanah Finl Employee Stk Ownership Plan
- Total assets
- $107.2M
- CRE loan book
- $6.9M
- QoQ CRE growth
- 7.1%
- Q1 2026
Recorded CRE activity — oh-franklin County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 21, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.02% as of Q1 2026 — TX bank median 4.87% (3.15pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.02% | 8.74% |
| Q4 2025 | 6.93% | 7.37% |
| Q3 2025 | 7.50% | 7.21% |
| Q2 2025 | 7.38% | 8.01% |
| Q1 2025 | 7.20% | 7.79% |
| Q4 2024 | 7.71% | 8.29% |
| Q3 2024 | 7.38% | 8.22% |
| Q2 2024 | 7.33% | 8.15% |
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 | $6.9M | $809,000 | $188,000 | 18% | $0 |
| Q4 2025 | $6.4M | $708,000 | $76,000 | 19% | $395,000 |
| Q3 2025 | $6.4M | $768,000 | $78,000 | 16% | $0 |
| Q2 2025 | $6.7M | $938,000 | $80,000 | 18% | $0 |
| Q1 2025 | $6.7M | $822,000 | $103,000 | 17% | $0 |
| Q4 2024 | $7.3M | $1.4M | $105,000 | 23% | $0 |
| Q3 2024 | $6.5M | $1.2M | $107,000 | 19% | $0 |
| Q2 2024 | $6.2M | $742,000 | $109,000 | 17% | $0 |
First Capital Bank: frequently asked questions
- How large is First Capital Bank's commercial real estate loan book?
- As of Q1 2026, First Capital Bank reported $6.9M in commercial real estate loans out of $107.2M in total assets, per its FFIEC Call Report.
- Is First Capital Bank above the 300% CRE concentration guideline?
- First Capital Bank's CRE loans stood at 18% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First Capital Bank growing or shrinking its CRE lending?
- First Capital Bank's CRE loan book grew 7.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is First Capital Bank in recorded CRE lending?
- 1 commercial deed of trust naming First Capital Bank as lender has been recorded recently in oh-franklin County, verified from county records; the most recent was recorded Jul 21, 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.
- The Home National Bank of ThorntownCommunity Bank · Thorntown · $6.9M CRE book
- The Buckholts State BankCommunity Bank · Buckholts · $6.9M CRE book
- The Citizens Bank of EdinaCommunity Bank · Edina · $6.9M CRE book
- Exchange State BankCommunity Bank · Saint Paul · $6.9M CRE book
- Anchor State BankCommunity Bank · Anchor · $6.8M CRE book
Last updated Jul 21, 2026 · Sources: FFIEC CDR, county records, first-party conversations.