TX lenders / Community Bank
First National Bank Texas
Community Bank · Killeen, TX · First Community Bancshares Inc
- Total assets
- $4.7B
- CRE loan book
- $1.1B
- QoQ CRE growth
- 5.6%
- Q1 2026
Recorded CRE activity — harris County
5 commercial deeds of trust recorded recently, verified from county records.
- Aug 3, 2026 · landundisclosed
- Jul 15, 2026 · unknownundisclosed
- Jul 7, 2026 · landundisclosed
- Jul 2, 2026 · landundisclosed
- Jun 18, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.73% as of Q1 2026 — TX bank median 4.87% (0.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.73% | 5.97% |
| Q4 2025 | 5.76% | 6.04% |
| Q3 2025 | 5.87% | 6.11% |
| Q2 2025 | 5.68% | 5.92% |
| Q1 2025 | 5.48% | 5.74% |
| Q4 2024 | 5.59% | 5.86% |
| Q3 2024 | 5.51% | 5.81% |
| Q2 2024 | 5.26% | 5.55% |
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 | $1.1B | $286.0M | $197.2M | 219% | $787,000 |
| Q4 2025 | $1.1B | $242.1M | $185.0M | 213% | $1.8M |
| Q3 2025 | $1.0B | $226.8M | $169.5M | 209% | $1.8M |
| Q2 2025 | $996.3M | $219.7M | $145.8M | 203% | $0 |
| Q1 2025 | $964.1M | $305.2M | $62.3M | 198% | $0 |
| Q4 2024 | $941.1M | $299.1M | $63.4M | 199% | $0 |
| Q3 2024 | $870.2M | $279.3M | $63.7M | 185% | $0 |
| Q2 2024 | $832.8M | $284.4M | $56.5M | 176% | $2.6M |
Signals
Regulatory actions
- OCC 1829 Prohibition Notification — OCC 1829 prohibition notification against an individual (Shanetta Stewart) involving First National Bank Texas, completed 2026-04-17 (document 2026-14).Apr 17, 2026
- OCC 1829 Prohibition Notification — OCC 1829 prohibition notification against an individual (Valerie Delagarza) involving First National Bank Texas, completed 2025-11-18 (document 2025-19).Nov 18, 2025
- OCC Prohibition/Removal Orders — OCC prohibition/removal orders against an individual (Karen Lopez) involving First National Bank Texas, completed 2025-07-28 (document AA-ENF-2025-38).Jul 28, 2025
Recent news
- FHLB Dallas and First National Bank Texas Celebrate Revitalization of Affordable Single-Family Homes in Laguna, New Mexico - Yahoo Finance — Coverage of First National Bank Texas related to commercial real estate and lending reported by finance.yahoo.com.Jun 24, 2026
- FHLB Dallas and First National Bank Texas Celebrate Groundbreaking of Affordable Housing Community in Los Lunas, New Mexico - Business Wire — Coverage of First National Bank Texas related to commercial real estate and lending reported by businesswire.com.May 21, 2026
First National Bank Texas: frequently asked questions
- How large is First National Bank Texas's commercial real estate loan book?
- As of Q1 2026, First National Bank Texas reported $1.1B in commercial real estate loans out of $4.7B in total assets, per its FFIEC Call Report.
- Is First National Bank Texas above the 300% CRE concentration guideline?
- First National Bank Texas's CRE loans stood at 219% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First National Bank Texas growing or shrinking its CRE lending?
- First National Bank Texas's CRE loan book grew 5.6% 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 National Bank Texas in recorded CRE lending?
- 5 commercial deeds of trust naming First National Bank Texas as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 3, 2026.
- Has First National Bank Texas faced regulatory enforcement actions?
- Yes — 3 regulatory enforcement actions on record for First National Bank Texas, most recently from the OCC (1829 Prohibition Notification) on Apr 17, 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.
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
- Northbrook Bank and Trust Company, National AssociationCommunity Bank · Northbrook · $1.1B CRE book
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
Markets where First National Bank Texas lends
First National Bank Texas has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Aug 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.