TX lenders / Community Bank
First State Bank
Community Bank · Spearman, TX · First State Bankshares Inc
- Total assets
- $191.2M
- CRE loan book
- $44.8M
- QoQ CRE growth
- 15.2%
- Q1 2026
Recorded CRE activity — denton County
1 commercial deed of trust recorded recently, verified from county records.
- Jun 26, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.66% as of Q1 2026 — TX bank median 6.76% (0.10pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.66% | 7.29% |
| Q4 2025 | 6.62% | 7.37% |
| Q3 2025 | 6.99% | 7.54% |
| Q2 2025 | 6.36% | 7.25% |
| Q1 2025 | 6.58% | 7.01% |
| Q4 2024 | 6.16% | 7.21% |
| Q3 2024 | 6.42% | 7.35% |
| Q2 2024 | 6.27% | 7.21% |
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 | $44.8M | $6.3M | $1.0M | 163% | $0 |
| Q4 2025 | $38.9M | $3.9M | $1.2M | 143% | $0 |
| Q3 2025 | $40.5M | $8.4M | $1.2M | 152% | $0 |
| Q2 2025 | $40.5M | $7.8M | $1.2M | 151% | $0 |
| Q1 2025 | $35.0M | $8.7M | $1.2M | 137% | $0 |
| Q4 2024 | $37.4M | $8.9M | $1.2M | 151% | $2.2M |
| Q3 2024 | $37.0M | $8.5M | $1.2M | 146% | $0 |
| Q2 2024 | $36.7M | $7.5M | $1.2M | 148% | $0 |
First State Bank: frequently asked questions
- How large is First State Bank's commercial real estate loan book?
- As of Q1 2026, First State Bank reported $44.8M in commercial real estate loans out of $191.2M in total assets, per its FFIEC Call Report.
- Is First State Bank above the 300% CRE concentration guideline?
- First State Bank's CRE loans stood at 163% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First State Bank growing or shrinking its CRE lending?
- First State Bank's CRE loan book grew 15.2% 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 State Bank in recorded CRE lending?
- 1 commercial deed of trust naming First State Bank as lender has been recorded recently in denton County, verified from county records; the most recent was recorded Jun 26, 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 Casey County Bank, Inc.Community Bank · Liberty · $44.9M CRE book
- GreenLeaf BankCommunity Bank · Greenleaf · $44.6M CRE book
- First Community BankCommunity Bank · Milton · $44.6M CRE book
- First State Bank of LivingstonCommunity Bank · Livingston · $44.4M CRE book
- First National Bank of HerefordCommunity Bank · Hereford · $44.2M CRE book
Markets where First State Bank lends
First State Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.