TX lenders / Community Bank
First Liberty Bank
Community Bank · Liberty, TX · First Liberty Natl Bancshares
- Total assets
- $890.0M
- CRE loan book
- $256.7M
- QoQ CRE growth
- 2.0%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 1, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.81% as of Q1 2026 — TX bank median 6.76% (0.06pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.81% | 7.04% |
| Q4 2025 | 7.23% | 7.65% |
| Q3 2025 | 7.23% | 7.51% |
| Q2 2025 | 6.82% | 7.16% |
| Q1 2025 | 6.43% | 6.93% |
| Q4 2024 | 6.38% | 6.66% |
| Q3 2024 | 6.31% | 6.85% |
| Q2 2024 | 6.13% | 6.51% |
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 | $256.7M | $92.3M | $8.8M | 169% | $1.4M |
| Q4 2025 | $251.6M | $88.5M | $8.4M | 170% | $629,000 |
| Q3 2025 | $243.3M | $71.6M | $13.3M | 170% | $0 |
| Q2 2025 | $198.3M | $59.1M | $2.8M | 133% | $165,000 |
| Q1 2025 | $180.3M | $57.6M | $6.4M | 127% | $166,000 |
| Q4 2024 | $133.4M | $43.1M | $5.4M | 141% | $165,000 |
| Q3 2024 | $133.6M | $41.9M | $5.5M | 139% | $136,000 |
| Q2 2024 | $131.4M | $44.8M | $4.1M | 148% | $151,000 |
First Liberty Bank: frequently asked questions
- How large is First Liberty Bank's commercial real estate loan book?
- As of Q1 2026, First Liberty Bank reported $256.7M in commercial real estate loans out of $890.0M in total assets, per its FFIEC Call Report.
- Is First Liberty Bank above the 300% CRE concentration guideline?
- First Liberty Bank's CRE loans stood at 169% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First Liberty Bank growing or shrinking its CRE lending?
- First Liberty Bank's CRE loan book grew 2.0% 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 Liberty Bank in recorded CRE lending?
- 1 commercial deed of trust naming First Liberty Bank as lender has 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.
- The First State BankCommunity Bank · Louise · $256.3M CRE book
- The First National Bank of SonoraCommunity Bank · Sonora · $258.3M CRE book
- Round Top State BankCommunity Bank · Round Top · $254.6M CRE book
- Citizens BankCommunity Bank · Kilgore · $252.0M CRE book
- The MINT National BankCommunity Bank · Kingwood · $263.9M CRE book
Markets where First Liberty Bank lends
First Liberty 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.