TX lenders / Community Bank
Golden Bank, National Association
Community Bank · Houston, TX
- Total assets
- $2.2B
- CRE loan book
- $1.7B
- QoQ CRE growth
- 3.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.87% as of Q1 2026 — TX bank median 6.76% (0.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.87% | 6.87% |
| Q4 2025 | 7.25% | 7.26% |
| Q3 2025 | 7.63% | 7.63% |
| Q2 2025 | 7.45% | 7.45% |
| Q1 2025 | 7.34% | 7.36% |
| Q4 2024 | 7.67% | 7.68% |
| Q3 2024 | 7.76% | 7.79% |
| Q2 2024 | 7.55% | 7.57% |
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 | $1.7B | $231.3M | $89.7M | 330% | $33.7M |
| Q4 2025 | $1.6B | $215.9M | $88.2M | 327% | $34.2M |
| Q3 2025 | $1.6B | $194.8M | $67.7M | 319% | $27.6M |
| Q2 2025 | $1.5B | $184.4M | $70.5M | 321% | $30.0M |
| Q1 2025 | $1.5B | $166.5M | $71.2M | 324% | $27.2M |
| Q4 2024 | $1.5B | $177.6M | $69.5M | 326% | $21.9M |
| Q3 2024 | $1.4B | $164.8M | $57.4M | 321% | $22.4M |
| Q2 2024 | $1.3B | $166.5M | $54.6M | 326% | $23.4M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Central Bank & Trust Co.Community Bank · Lexington · $1.7B CRE book
- Broadway National BankCommunity Bank · San Antonio · $1.7B CRE book
- ChoiceOne BankCommunity Bank · Sparta · $1.7B CRE book
- Farmers & Merchants Bank of Central CaliforniaCommunity Bank · Lodi · $1.6B CRE book
- Southern Bank and Trust CompanyCommunity Bank · Mount Olive · $1.8B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.