TX lenders / Community Bank
Lone Star Bank
Community Bank · Houston, TX
- Total assets
- $200.3M
- CRE loan book
- $128.6M
- QoQ CRE growth
- 4.6%
- Q1 2026
Recorded CRE activity — harris County
4 commercial deeds of trust recorded recently, verified from county records.
- Aug 11, 2026 · unknownundisclosed
- Aug 3, 2026 · unknownundisclosed
- Jul 31, 2026 · unknownundisclosed
- Jul 23, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.48% as of Q1 2026 — TX bank median 4.87% (2.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.48% | 7.46% |
| Q4 2025 | 7.58% | 7.64% |
| Q3 2025 | 7.76% | 7.84% |
| Q2 2025 | 7.36% | 7.45% |
| Q1 2025 | 6.93% | 7.04% |
| Q4 2024 | 7.03% | 7.12% |
| Q3 2024 | 7.14% | 7.36% |
| Q2 2024 | 6.91% | 7.03% |
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 | $128.6M | $15.3M | $4.1M | 319% | $0 |
| Q4 2025 | $123.0M | $16.0M | $4.3M | 338% | $0 |
| Q3 2025 | $114.6M | $15.1M | $3.9M | 340% | $0 |
| Q2 2025 | $106.3M | $16.1M | $4.9M | 322% | $138,000 |
| Q1 2025 | $103.9M | $12.4M | $5.3M | 318% | $0 |
| Q4 2024 | $103.1M | $12.8M | $3.1M | 317% | $0 |
| Q3 2024 | $96.0M | $11.1M | $3.1M | 288% | $0 |
| Q2 2024 | $97.3M | $11.2M | $4.5M | 291% | $533,000 |
Lone Star Bank: frequently asked questions
- How large is Lone Star Bank's commercial real estate loan book?
- As of Q1 2026, Lone Star Bank reported $128.6M in commercial real estate loans out of $200.3M in total assets, per its FFIEC Call Report.
- Is Lone Star Bank above the 300% CRE concentration guideline?
- Lone Star Bank's CRE loans stood at 319% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Lone Star Bank growing or shrinking its CRE lending?
- Lone Star Bank's CRE loan book grew 4.6% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Lone Star Bank in recorded CRE lending?
- 4 commercial deeds of trust naming Lone Star Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 11, 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.
- TruBankCommunity Bank · Indianola · $127.5M CRE book
- First National Bank of ScotiaCommunity Bank · Scotia · $129.9M CRE book
- First State Bank and TrustCommunity Bank · Bayport · $129.9M CRE book
- ValueBank TexasCommunity Bank · Corpus Christi · $127.2M CRE book
- Interamerican Bank, A FSBCommunity Bank · Miami · $127.1M CRE book
Markets where Lone Star Bank lends
Lone Star Bank 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 Aug 11, 2026 · Sources: FFIEC CDR, county records, first-party conversations.