TX lenders / Community Bank
National Bank & Trust
Community Bank · La Grange, TX · First La Grange Bancshares Employee Stk Ownership Plan With 401 K Provisions
- Total assets
- $245.6M
- CRE loan book
- $79.2M
- QoQ CRE growth
- 4.9%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 29, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.54% as of Q1 2026 — TX bank median 4.87% (1.68pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.54% | 6.55% |
| Q4 2025 | 6.78% | 6.80% |
| Q3 2025 | 6.71% | 6.75% |
| Q2 2025 | 6.52% | 6.57% |
| Q1 2025 | 6.30% | 6.33% |
| Q4 2024 | 6.11% | 6.39% |
| Q3 2024 | 6.11% | 6.30% |
| Q2 2024 | 5.61% | 5.70% |
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 | $79.2M | $33.7M | $1.9M | 223% | $0 |
| Q4 2025 | $75.5M | $32.7M | $1.6M | 212% | $0 |
| Q3 2025 | $73.6M | $30.2M | $729,000 | 198% | $0 |
| Q2 2025 | $74.6M | $27.1M | $731,000 | 232% | $0 |
| Q1 2025 | $72.0M | $26.2M | $732,000 | 211% | $0 |
| Q4 2024 | $60.2M | $22.3M | $704,000 | 163% | $0 |
| Q3 2024 | $58.3M | $20.4M | $387,000 | 119% | $0 |
| Q2 2024 | $56.9M | $23.7M | $389,000 | 115% | $0 |
Signals
National Bank & Trust: frequently asked questions
- How large is National Bank & Trust's commercial real estate loan book?
- As of Q1 2026, National Bank & Trust reported $79.2M in commercial real estate loans out of $245.6M in total assets, per its FFIEC Call Report.
- Is National Bank & Trust above the 300% CRE concentration guideline?
- National Bank & Trust's CRE loans stood at 223% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is National Bank & Trust growing or shrinking its CRE lending?
- National Bank & Trust's CRE loan book grew 4.9% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is National Bank & Trust in recorded CRE lending?
- 1 commercial deed of trust naming National Bank & Trust as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Jul 29, 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.
Markets where National Bank & Trust lends
National Bank & Trust 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 29, 2026 · Sources: FFIEC CDR, county records, first-party conversations.