TX lenders / Community Bank
Incommons Bank, N.A.
Community Bank · Mexia, TX · Bi-Stone Bancshares Inc
- Total assets
- $282.5M
- CRE loan book
- $84.2M
- QoQ CRE growth
- 0.2%
- Q1 2026
Recorded CRE activity — freestone County
2 commercial deeds of trust recorded recently, verified from county records.
- Jun 26, 2026 · landundisclosed
- Jun 15, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.47% as of Q1 2026 — TX bank median 4.87% (2.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.47% | 7.73% |
| Q4 2025 | 7.70% | 7.84% |
| Q3 2025 | 7.75% | 7.85% |
| Q2 2025 | 7.48% | 7.65% |
| Q1 2025 | 7.33% | 7.46% |
| Q4 2024 | 7.59% | 7.80% |
| Q3 2024 | 7.63% | 7.82% |
| Q2 2024 | 7.19% | 7.39% |
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 | $84.2M | $4.9M | $19.1M | 201% | $55,000 |
| Q4 2025 | $84.0M | $5.5M | $18.2M | 208% | $0 |
| Q3 2025 | $82.0M | $11.5M | $12.8M | 212% | $0 |
| Q2 2025 | $80.2M | $12.5M | $11.4M | 219% | $1.1M |
| Q1 2025 | $72.8M | $12.8M | $8.6M | 196% | $1.1M |
| Q4 2024 | $61.8M | $18.2M | $3.4M | 157% | $1.0M |
| Q3 2024 | $58.6M | $17.7M | $1.4M | 145% | $1.0M |
| Q2 2024 | $63.9M | $20.3M | $2.8M | 170% | $0 |
Incommons Bank, N.A.: frequently asked questions
- How large is Incommons Bank, N.A.'s commercial real estate loan book?
- As of Q1 2026, Incommons Bank, N.A. reported $84.2M in commercial real estate loans out of $282.5M in total assets, per its FFIEC Call Report.
- Is Incommons Bank, N.A. above the 300% CRE concentration guideline?
- Incommons Bank, N.A.'s CRE loans stood at 201% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Incommons Bank, N.A. growing or shrinking its CRE lending?
- Incommons Bank, N.A.'s CRE loan book grew 0.2% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Incommons Bank, N.A. in recorded CRE lending?
- 2 commercial deeds of trust naming Incommons Bank, N.A. as lender have been recorded recently in freestone County, verified from county records; the most recent was recorded Jun 26, 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.
- Eastern Michigan BankCommunity Bank · Croswell · $83.9M CRE book
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- Patrons Bank, National AssociationCommunity Bank · Okmulgee · $84.8M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.