TX lenders / Community Bank
HomeTown Bank, National Association
Community Bank · Galveston, TX · Hometown Bancshares Inc
- Total assets
- $998.1M
- CRE loan book
- $499.1M
- QoQ CRE growth
- -1.1%
- Q1 2026
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 22, 2026 · landundisclosed
- Jul 17, 2026 · officeundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.76% as of Q1 2026 — TX bank median 4.87% (1.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.76% | 6.79% |
| Q4 2025 | 6.93% | 6.96% |
| Q3 2025 | 6.80% | 6.89% |
| Q2 2025 | 6.65% | 6.79% |
| Q1 2025 | 6.22% | 6.33% |
| Q4 2024 | 6.36% | 6.50% |
| Q3 2024 | 6.14% | 6.25% |
| Q2 2024 | 6.06% | 6.19% |
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 | $499.1M | $94.3M | $20.7M | 291% | $0 |
| Q4 2025 | $504.7M | $91.5M | $20.9M | 295% | $0 |
| Q3 2025 | $499.7M | $93.2M | $22.7M | 293% | $0 |
| Q2 2025 | $472.4M | $85.8M | $22.9M | 278% | $0 |
| Q1 2025 | $415.9M | $82.0M | $23.0M | 254% | $0 |
| Q4 2024 | $406.8M | $76.1M | $23.2M | 256% | $0 |
| Q3 2024 | $400.7M | $82.2M | $23.5M | 249% | $0 |
| Q2 2024 | $392.7M | $76.6M | $22.5M | 245% | $232,000 |
HomeTown Bank, National Association: frequently asked questions
- How large is HomeTown Bank, National Association's commercial real estate loan book?
- As of Q1 2026, HomeTown Bank, National Association reported $499.1M in commercial real estate loans out of $998.1M in total assets, per its FFIEC Call Report.
- Is HomeTown Bank, National Association above the 300% CRE concentration guideline?
- HomeTown Bank, National Association's CRE loans stood at 291% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is HomeTown Bank, National Association growing or shrinking its CRE lending?
- HomeTown Bank, National Association's CRE loan book shrank 1.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is HomeTown Bank, National Association in recorded CRE lending?
- 2 commercial deeds of trust naming HomeTown Bank, National Association as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 22, 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.
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- Citizens Tri-County BankCommunity Bank · Dunlap · $505.3M CRE book
- MountainOne BankCommunity Bank · North Adams · $506.8M CRE book
- Forcht Bank, National AssociationCommunity Bank · Lexington · $490.3M CRE book
- Cass Commercial BankCommunity Bank · Des Peres · $508.8M CRE book
See all alternatives to HomeTown Bank, National Association →
Markets where HomeTown Bank, National Association lends
HomeTown Bank, National Association 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 22, 2026 · Sources: FFIEC CDR, county records, first-party conversations.