TX lenders / Community Bank
Plains State Bank
Community Bank · Humble, TX · Plains Acquisition Corp
- Total assets
- $840.0M
- CRE loan book
- $491.2M
- QoQ CRE growth
- -1.4%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
7 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 6.25% (4 variable / 3 fixed) · $25.2M total approved.
Borrower cities: Richmond, Allen, Cypress, Katy, Waco, Pflugerville.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 12, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.76% as of Q1 2026 — TX bank median 6.76% (0.00pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.76% | 7.12% |
| Q4 2025 | 7.25% | 7.63% |
| Q3 2025 | 7.44% | 7.69% |
| Q2 2025 | 7.58% | 7.77% |
| Q1 2025 | 7.52% | 7.69% |
| Q4 2024 | 7.85% | 8.07% |
| Q3 2024 | 8.21% | 8.32% |
| Q2 2024 | 8.38% | 8.37% |
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 | $491.2M | $98.9M | $1.4M | 174% | $13.4M |
| Q4 2025 | $498.4M | $118.6M | $1.4M | 190% | $12.2M |
| Q3 2025 | $513.2M | $125.2M | $1.4M | 206% | $10.2M |
| Q2 2025 | $492.2M | $134.9M | $1.5M | 211% | $10.3M |
| Q1 2025 | $487.7M | $141.3M | $2.6M | 215% | $2.7M |
| Q4 2024 | $504.1M | $147.8M | $4.2M | 211% | $2.8M |
| Q3 2024 | $492.3M | $145.2M | $4.5M | 208% | $3.0M |
| Q2 2024 | $491.6M | $144.2M | $3.0M | 214% | $3.9M |
Plains State Bank: frequently asked questions
- How large is Plains State Bank's commercial real estate loan book?
- As of Q1 2026, Plains State Bank reported $491.2M in commercial real estate loans out of $840.0M in total assets, per its FFIEC Call Report.
- Is Plains State Bank above the 300% CRE concentration guideline?
- Plains State Bank's CRE loans stood at 174% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Plains State Bank growing or shrinking its CRE lending?
- Plains State Bank's CRE loan book shrank 1.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Plains State Bank in recorded CRE lending?
- 1 commercial deed of trust naming Plains State Bank as lender has been recorded recently in harris 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.
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- American Bank of FreedomCommunity Bank · Wellsville · $493.6M CRE book
- Ives BankCommunity Bank · Danbury · $482.3M CRE book
- Cass Commercial BankCommunity Bank · Des Peres · $508.8M CRE book
- Farmers State BankCommunity Bank · Marion · $512.6M CRE book
Markets where Plains State Bank lends
Plains State 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 Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.