TX lenders / Community Bank
First State Bank
Community Bank · Clute, TX · Fsb Bancshares Inc
- Total assets
- $466.5M
- CRE loan book
- $144.3M
- QoQ CRE growth
- 3.3%
- Q1 2026
Recorded CRE activity — oh-butler County
2 commercial deeds of trust recorded recently, verified from county records.
- Sep 3, 2026 · unknownundisclosed
- Aug 31, 2026 · industrialundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.64% as of Q1 2026 — TX bank median 4.87% (1.77pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.64% | 7.07% |
| Q4 2025 | 7.19% | 7.52% |
| Q3 2025 | 6.26% | 6.95% |
| Q2 2025 | 6.41% | 6.86% |
| Q1 2025 | 6.09% | 6.60% |
| Q4 2024 | 6.23% | 6.86% |
| Q3 2024 | 6.21% | 6.73% |
| Q2 2024 | 5.96% | 6.56% |
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 | $144.3M | $8.0M | $1.3M | 75% | $1.7M |
| Q4 2025 | $139.8M | $6.3M | $1.3M | 74% | $1.4M |
| Q3 2025 | $135.4M | $4.5M | $1.3M | 38% | $3.0M |
| Q2 2025 | $131.5M | $3.3M | $1.3M | 36% | $2.2M |
| Q1 2025 | $126.3M | $4.7M | $1.3M | 41% | $1.1M |
| Q4 2024 | $119.6M | $2.4M | $1.4M | 41% | $455,000 |
| Q3 2024 | $117.7M | $2.9M | $1.8M | 46% | $61,000 |
| Q2 2024 | $116.0M | $3.4M | $1.8M | 54% | $62,000 |
Signals
Recent news
- Heartland Bank and Trust to acquire First State Bank - WGLT — Coverage of First State Bank related to M&A activity reported by wglt.org.Sep 22, 2026
- First State Bank to Redevelop Lakeland Ale House Site - - Lakeland Gazette — Coverage of First State Bank related to commercial real estate and lending reported by lakelandgazette.info.Aug 7, 2026
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 $144.3M in commercial real estate loans out of $466.5M 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 75% 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 3.3% 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?
- 2 commercial deeds of trust naming First State Bank as lender have been recorded recently in oh-butler County, verified from county records; the most recent was recorded Sep 3, 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.
- Highlands BankCommunity Bank · Petersburg · $143.7M CRE book
- The Citizens Bank of ClovisCommunity Bank · Clovis · $143.2M CRE book
- The Peoples State BankCommunity Bank · Ellettsville · $143.2M CRE book
- Global BankCommunity Bank · New York · $145.8M CRE book
- Pony Express BankCommunity Bank · Braymer · $141.9M 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.
Houston
Houston (Harris County)
Last updated Sep 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.