TX lenders / Community Bank
First State Bank of Texas
Community Bank · Orange, TX · County Bancshares Inc
- Total assets
- $349.0M
- CRE loan book
- $159.8M
- QoQ CRE growth
- 0.5%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jun 25, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.07% as of Q1 2026 — TX bank median 6.76% (1.31pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.07% | 7.84% |
| Q4 2025 | 8.69% | 8.29% |
| Q3 2025 | 8.79% | 8.53% |
| Q2 2025 | 8.49% | 8.33% |
| Q1 2025 | 8.09% | 8.03% |
| Q4 2024 | 8.46% | 8.38% |
| Q3 2024 | 8.43% | 8.49% |
| Q2 2024 | 8.65% | 8.49% |
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 | $159.8M | $58.7M | $274,000 | 283% | $411,000 |
| Q4 2025 | $159.0M | $55.6M | $279,000 | 273% | $0 |
| Q3 2025 | $144.0M | $50.9M | $284,000 | 271% | $0 |
| Q2 2025 | $123.0M | $44.2M | $288,000 | 244% | $150,000 |
| Q1 2025 | $130.5M | $45.3M | $349,000 | 280% | $0 |
| Q4 2024 | $124.6M | $41.4M | $2.5M | 264% | $0 |
| Q3 2024 | $111.5M | $35.4M | $2.6M | 246% | $94,000 |
| Q2 2024 | $107.4M | $33.4M | $2.6M | 248% | $90,000 |
First State Bank of Texas: frequently asked questions
- How large is First State Bank of Texas's commercial real estate loan book?
- As of Q1 2026, First State Bank of Texas reported $159.8M in commercial real estate loans out of $349.0M in total assets, per its FFIEC Call Report.
- Is First State Bank of Texas above the 300% CRE concentration guideline?
- First State Bank of Texas's CRE loans stood at 283% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First State Bank of Texas growing or shrinking its CRE lending?
- First State Bank of Texas's CRE loan book grew 0.5% 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 Texas in recorded CRE lending?
- 1 commercial deed of trust naming First State Bank of Texas as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Jun 25, 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.
- Lake Elmo BankCommunity Bank · Lake Elmo · $160.2M CRE book
- Little Horn State BankCommunity Bank · Hardin · $160.3M CRE book
- Southwest Capital BankCommunity Bank · Albuquerque · $160.5M CRE book
- Sherburne State BankCommunity Bank · Becker · $158.7M CRE book
- Bank of MadisonCommunity Bank · Madison · $158.3M CRE book
Markets where First State Bank of Texas lends
First State Bank of Texas 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 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.