TX lenders / Community Bank
Ozona Bank
Community Bank · Ozona, TX · Onb Bancshares Inc
- Total assets
- $345.8M
- CRE loan book
- $88.9M
- QoQ CRE growth
- -1.3%
- Q1 2026
Recorded CRE activity — collin County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.14% as of Q1 2026 — TX bank median 6.76% (0.39pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.14% | 7.28% |
| Q4 2025 | 8.67% | 8.36% |
| Q3 2025 | 7.17% | 7.30% |
| Q2 2025 | 7.31% | 7.47% |
| Q1 2025 | 7.26% | 7.45% |
| Q4 2024 | 7.66% | 7.72% |
| Q3 2024 | 7.29% | 7.52% |
| Q2 2024 | 6.91% | 7.22% |
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 | $88.9M | $24.2M | $845,000 | 148% | $9.6M |
| Q4 2025 | $90.0M | $21.5M | $871,000 | 147% | $9.8M |
| Q3 2025 | $85.1M | $21.1M | $893,000 | 141% | $8.6M |
| Q2 2025 | $82.2M | $20.6M | $917,000 | 137% | $625,000 |
| Q1 2025 | $83.7M | $21.8M | $943,000 | 141% | $666,000 |
| Q4 2024 | $81.6M | $18.4M | $1.5M | 135% | $693,000 |
| Q3 2024 | $81.1M | $16.8M | $1.5M | 134% | $720,000 |
| Q2 2024 | $81.9M | $15.6M | $1.6M | 135% | $761,000 |
Ozona Bank: frequently asked questions
- How large is Ozona Bank's commercial real estate loan book?
- As of Q1 2026, Ozona Bank reported $88.9M in commercial real estate loans out of $345.8M in total assets, per its FFIEC Call Report.
- Is Ozona Bank above the 300% CRE concentration guideline?
- Ozona Bank's CRE loans stood at 148% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Ozona Bank growing or shrinking its CRE lending?
- Ozona Bank's CRE loan book shrank 1.3% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Ozona Bank in recorded CRE lending?
- 1 commercial deed of trust naming Ozona Bank as lender has been recorded recently in collin County, verified from county records; the most recent was recorded Jul 1, 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.
- Security First Bank of North DakotaCommunity Bank · New Salem · $88.9M CRE book
- Kensington BankCommunity Bank · Kensington · $88.9M CRE book
- First National Bank in DeRidderCommunity Bank · Deridder · $88.5M CRE book
- Security State BankCommunity Bank · Basin · $89.4M CRE book
- Bank of MiltonCommunity Bank · Milton · $89.4M CRE book
Markets where Ozona Bank lends
Ozona Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.