TX lenders / Community Bank
First State Bank of Odem
Community Bank · Odem, TX · Mustang Holdings Group Llc
- Total assets
- $215.1M
- CRE loan book
- $53.8M
- QoQ CRE growth
- 12.1%
- Q1 2026
Recorded CRE activity — nueces County
5 commercial deeds of trust recorded recently, verified from county records.
- Jul 8, 2026 · landundisclosed
- Jul 7, 2026 · unknownundisclosed
- Jul 2, 2026 · unknownundisclosed
- Jul 1, 2026 · unknownundisclosed
- Jul 1, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.36% as of Q1 2026 — TX bank median 4.87% (3.50pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.36% | 8.28% |
| Q4 2025 | 8.23% | 8.25% |
| Q3 2025 | 9.02% | 8.81% |
| Q2 2025 | 8.53% | 8.42% |
| Q1 2025 | 8.23% | 8.38% |
| Q4 2024 | 8.43% | 8.52% |
| Q3 2024 | 8.59% | 8.84% |
| Q2 2024 | 8.46% | 8.57% |
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 | $53.8M | $27.3M | $520,000 | 122% | $0 |
| Q4 2025 | $48.0M | $22.7M | $527,000 | 112% | $0 |
| Q3 2025 | $47.0M | $19.7M | $533,000 | 112% | $56,000 |
| Q2 2025 | $47.2M | $21.8M | $540,000 | 91% | $0 |
| Q1 2025 | $47.9M | $22.8M | $546,000 | 96% | $0 |
| Q4 2024 | $46.6M | $21.0M | $554,000 | 91% | $0 |
| Q3 2024 | $46.0M | $18.9M | $664,000 | 97% | $0 |
| Q2 2024 | $47.8M | $21.7M | $943,000 | 106% | $526,000 |
First State Bank of Odem: frequently asked questions
- How large is First State Bank of Odem's commercial real estate loan book?
- As of Q1 2026, First State Bank of Odem reported $53.8M in commercial real estate loans out of $215.1M in total assets, per its FFIEC Call Report.
- Is First State Bank of Odem above the 300% CRE concentration guideline?
- First State Bank of Odem's CRE loans stood at 122% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First State Bank of Odem growing or shrinking its CRE lending?
- First State Bank of Odem's CRE loan book grew 12.1% 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 of Odem in recorded CRE lending?
- 5 commercial deeds of trust naming First State Bank of Odem as lender have been recorded recently in nueces County, verified from county records; the most recent was recorded Jul 8, 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.
Last updated Jul 8, 2026 · Sources: FFIEC CDR, county records, first-party conversations.