TX lenders / Community Bank
NBT Financial Bank
Community Bank · Fort Worth, TX · Horizon Bankshares Inc
- Total assets
- $598.5M
- CRE loan book
- $222.4M
- QoQ CRE growth
- 2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.86% as of Q1 2026 — TX bank median 6.76% (0.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.86% | 7.03% |
| Q4 2025 | 7.03% | 7.19% |
| Q3 2025 | 7.24% | 7.43% |
| Q2 2025 | 6.98% | 7.14% |
| Q1 2025 | 6.82% | 6.99% |
| Q4 2024 | 6.70% | 6.88% |
| Q3 2024 | 6.98% | 7.41% |
| Q2 2024 | 7.20% | 7.39% |
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 | $222.4M | $108.3M | $824,000 | 253% | $5.1M |
| Q4 2025 | $217.2M | $98.9M | $564,000 | 242% | $5.1M |
| Q3 2025 | $235.2M | $103.1M | $570,000 | 268% | $5.1M |
| Q2 2025 | $227.4M | $101.2M | $1.3M | 262% | $5.1M |
| Q1 2025 | $218.0M | $93.8M | $1.3M | 256% | $5.1M |
| Q4 2024 | $210.1M | $91.3M | $1.4M | 254% | $5.1M |
| Q3 2024 | $205.4M | $82.1M | $1.4M | 261% | $0 |
| Q2 2024 | $179.8M | $77.7M | $1.4M | 246% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Herring BankCommunity Bank · Amarillo · $222.8M CRE book
- Texas Champion BankCommunity Bank · Corpus Christi · $223.3M CRE book
- Citizens State Bank of New Castle, IndianaCommunity Bank · New Castle · $221.3M CRE book
- First State BankCommunity Bank · New London · $223.6M CRE book
- Arthur State BankCommunity Bank · Union · $224.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.