TX lenders / Community Bank
International Bank of Commerce
Community Bank · Zapata, TX · International Bancshares Corp
- Total assets
- $527.5M
- CRE loan book
- $44.4M
- QoQ CRE growth
- 2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.73% as of Q1 2026 — TX bank median 6.76% (0.98pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.73% | 7.76% |
| Q4 2025 | 7.82% | 7.95% |
| Q3 2025 | 7.87% | 8.29% |
| Q2 2025 | 7.84% | 7.87% |
| Q1 2025 | 7.70% | 7.82% |
| Q4 2024 | 7.87% | 7.96% |
| Q3 2024 | 8.40% | 8.39% |
| Q2 2024 | 8.18% | 8.18% |
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 | $44.4M | $17.9M | $859,000 | 33% | $0 |
| Q4 2025 | $43.3M | $17.3M | $870,000 | 34% | $0 |
| Q3 2025 | $43.6M | $16.2M | $865,000 | 35% | $0 |
| Q2 2025 | $43.5M | $15.9M | $877,000 | 32% | $0 |
| Q1 2025 | $41.3M | $14.9M | $925,000 | 32% | $0 |
| Q4 2024 | $40.3M | $14.3M | $805,000 | 32% | $0 |
| Q3 2024 | $40.3M | $15.4M | $809,000 | 35% | $0 |
| Q2 2024 | $39.6M | $17.9M | $817,000 | 36% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of LivingstonCommunity Bank · Livingston · $44.4M CRE book
- First Community BankCommunity Bank · Milton · $44.6M CRE book
- GreenLeaf BankCommunity Bank · Greenleaf · $44.6M CRE book
- First National Bank of HerefordCommunity Bank · Hereford · $44.2M CRE book
- First State BankCommunity Bank · Spearman · $44.8M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.