TX lenders / Community Bank
First Lockhart Bank
Community Bank · Lockhart, TX · Lockhart Bankshares Inc
- Total assets
- $408.9M
- CRE loan book
- $192.5M
- QoQ CRE growth
- -0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.40% as of Q1 2026 — TX bank median 6.76% (0.35pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.40% | 6.42% |
| Q4 2025 | 6.62% | 6.63% |
| Q3 2025 | 6.55% | 6.57% |
| Q2 2025 | 6.29% | 6.30% |
| Q1 2025 | 6.11% | 6.15% |
| Q4 2024 | 6.12% | 6.17% |
| Q3 2024 | 6.14% | 6.19% |
| Q2 2024 | 5.93% | 5.97% |
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 | $192.5M | $33.2M | $21.5M | 329% | $0 |
| Q4 2025 | $193.5M | $33.1M | $21.6M | 336% | $0 |
| Q3 2025 | $186.3M | $30.3M | $20.6M | 325% | $0 |
| Q2 2025 | $177.9M | $29.0M | $19.5M | 324% | $0 |
| Q1 2025 | $174.1M | $32.1M | $19.6M | 335% | $0 |
| Q4 2024 | $171.8M | $31.7M | $19.8M | 333% | $0 |
| Q3 2024 | $176.4M | $35.6M | $19.4M | 345% | $0 |
| Q2 2024 | $174.7M | $34.8M | $19.3M | 348% | $0 |
Signals
First Lockhart Bank: frequently asked questions
- How large is First Lockhart Bank's commercial real estate loan book?
- As of Q1 2026, First Lockhart Bank reported $192.5M in commercial real estate loans out of $408.9M in total assets, per its FFIEC Call Report.
- Is First Lockhart Bank above the 300% CRE concentration guideline?
- First Lockhart Bank's CRE loans stood at 329% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is First Lockhart Bank growing or shrinking its CRE lending?
- First Lockhart 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.
- Has First Lockhart Bank faced regulatory enforcement actions?
- Yes — 1 regulatory enforcement action on record for First Lockhart Bank, most recently from the OCC (1829 Prohibition Notification) on Mar 5, 2026. See the Signals section for details and sources.
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 Killbuck Savings Bank CompanyCommunity Bank · Killbuck · $193.0M CRE book
- First Bank, Upper MichiganCommunity Bank · Gladstone · $193.0M CRE book
- Highpoint Community BankCommunity Bank · Hastings · $193.6M CRE book
- Union BankCommunity Bank · Grand Rapids · $191.4M CRE book
- FNBC Bank & TrustCommunity Bank · La Grange · $193.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.