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
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 6.76% (1.02pp below 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.
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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
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.
- 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
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
- First Guaranty BankCommunity Bank · Hammond · $1.1B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.