TX lenders / Community Bank
First State Bank
Community Bank · Junction, TX · Kimble County Bancshares Inc
- Total assets
- $60.8M
- CRE loan book
- $6.1M
- QoQ CRE growth
- -1.2%
- Q1 2026
Recorded CRE activity — harris County
5 commercial deeds of trust recorded recently, verified from county records.
- Jul 17, 2026 · unknownundisclosed
- Jul 13, 2026 · unknownundisclosed
- Jul 13, 2026 · unknownundisclosed
- Jul 9, 2026 · landundisclosed
- Jul 1, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.21% as of Q1 2026 — TX bank median 4.87% (2.34pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.21% | 7.70% |
| Q4 2025 | 7.87% | 8.21% |
| Q3 2025 | 8.09% | 8.20% |
| Q2 2025 | 6.67% | 7.27% |
| Q1 2025 | 6.42% | 7.07% |
| Q4 2024 | 6.53% | 7.21% |
| Q3 2024 | 6.28% | 7.03% |
| Q2 2024 | 6.60% | 7.16% |
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 | $6.1M | $361,000 | $0 | 55% | $0 |
| Q4 2025 | $6.1M | $356,000 | $0 | 50% | $0 |
| Q3 2025 | $6.1M | $260,000 | $0 | 56% | $0 |
| Q2 2025 | $6.5M | $172,000 | $0 | 55% | $437,000 |
| Q1 2025 | $6.6M | $146,000 | $0 | 57% | $437,000 |
| Q4 2024 | $6.6M | $24,000 | $0 | 58% | $495,000 |
| Q3 2024 | $6.7M | $0 | $0 | 58% | $549,000 |
| Q2 2024 | $7.0M | $0 | $0 | 67% | $549,000 |
Signals
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 $6.1M in commercial real estate loans out of $60.8M 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 55% 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 shrank 1.2% 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?
- 5 commercial deeds of trust naming First State Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 17, 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.
- Rushford State Bank (Incorporated)Community Bank · Rushford · $6.0M CRE book
- The Peoples National Bank of ChecotahCommunity Bank · Checotah · $6.0M CRE book
- Franklin State Bank & Trust CompanyCommunity Bank · Winnsboro · $6.0M CRE book
- United Minnesota BankCommunity Bank · New London · $6.2M CRE book
- The State Bank of WynnewoodCommunity Bank · Wynnewood · $5.9M 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 Jul 17, 2026 · Sources: FFIEC CDR, county records, first-party conversations.