TX lenders / Community Bank
First National Bank of South Padre Island
Community Bank · South Padre Island, TX · Laguna Madre Bancshares Inc
- Total assets
- $81.7M
- CRE loan book
- $12.8M
- QoQ CRE growth
- -5.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.83% as of Q1 2026 — TX bank median 6.76% (0.07pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.83% | 6.89% |
| Q4 2025 | 7.36% | 7.46% |
| Q3 2025 | 6.95% | 7.04% |
| Q2 2025 | 7.15% | 7.21% |
| Q1 2025 | 7.37% | 7.48% |
| Q4 2024 | 6.89% | 7.11% |
| Q3 2024 | 6.55% | 6.85% |
| Q2 2024 | 6.76% | 6.86% |
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 | $12.8M | $8.3M | $483,000 | 90% | $492,000 |
| Q4 2025 | $13.6M | $9.3M | $486,000 | 103% | $517,000 |
| Q3 2025 | $13.2M | $8.8M | $487,000 | 97% | $523,000 |
| Q2 2025 | $12.7M | $8.4M | $491,000 | 91% | $542,000 |
| Q1 2025 | $10.2M | $6.4M | $494,000 | 74% | $561,000 |
| Q4 2024 | $9.2M | $5.5M | $497,000 | 68% | $581,000 |
| Q3 2024 | $8.5M | $4.7M | $500,000 | 60% | $593,000 |
| Q2 2024 | $8.6M | $5.1M | $503,000 | 80% | $606,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Peoples State Bank of HallettsvilleCommunity Bank · Hallettsville · $12.8M CRE book
- Bridge Community BankCommunity Bank · Mount Vernon · $12.9M CRE book
- First State Bank of Ben Wheeler, TexasCommunity Bank · Ben Wheeler · $12.6M CRE book
- State Bank of CherryCommunity Bank · Cherry · $12.6M CRE book
- First State Bank of BigforkCommunity Bank · Bigfork · $13.0M CRE book
See all alternatives to First National Bank of South Padre Island →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.