TX lenders / Community Bank
Horizon Bank, SSB
Community Bank · Austin, TX · Frontier Bancshares Inc
- Total assets
- $2.4B
- CRE loan book
- $1.0B
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.17% as of Q1 2026 — TX bank median 6.76% (0.59pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.17% | 6.38% |
| Q4 2025 | 6.30% | 6.54% |
| Q3 2025 | 6.20% | 6.45% |
| Q2 2025 | 6.06% | 6.31% |
| Q1 2025 | 6.08% | 6.32% |
| Q4 2024 | 6.10% | 6.38% |
| Q3 2024 | 6.00% | 6.33% |
| Q2 2024 | 5.89% | 6.20% |
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 | $1.0B | $126.5M | $50.0M | 252% | $0 |
| Q4 2025 | $1.0B | $140.5M | $67.6M | 246% | $0 |
| Q3 2025 | $999.7M | $138.4M | $71.6M | 247% | $0 |
| Q2 2025 | $983.8M | $123.9M | $83.0M | 247% | $0 |
| Q1 2025 | $968.7M | $127.5M | $86.3M | 248% | $0 |
| Q4 2024 | $967.9M | $122.8M | $96.6M | 250% | $0 |
| Q3 2024 | $974.9M | $150.6M | $108.1M | 260% | $0 |
| Q2 2024 | $964.6M | $168.5M | $108.6M | 271% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens and Farmers BankCommunity Bank · West Point · $1.0B CRE book
- Frandsen Bank & TrustCommunity Bank · Lonsdale · $987.3M CRE book
- Central BankCommunity Bank · Storm Lake · $982.3M CRE book
- Jefferson BankCommunity Bank · San Antonio · $981.2M CRE book
- Builtwell BankCommunity Bank · Chattanooga · $1.1B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.