TX lenders / Community Bank
Schertz Bank & Trust
Community Bank · Schertz, TX · Schertz Bancshares Corp
- Total assets
- $761.9M
- CRE loan book
- $524.2M
- QoQ CRE growth
- 1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.56% as of Q1 2026 — TX bank median 6.76% (0.80pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.56% | 7.45% |
| Q4 2025 | 7.66% | 7.58% |
| Q3 2025 | 7.44% | 7.37% |
| Q2 2025 | 7.17% | 7.11% |
| Q1 2025 | 7.02% | 7.01% |
| Q4 2024 | 6.91% | 6.93% |
| Q3 2024 | 6.68% | 6.75% |
| Q2 2024 | 6.29% | 6.36% |
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 | $524.2M | $135.7M | $77.0M | 323% | $0 |
| Q4 2025 | $518.0M | $125.2M | $84.5M | 332% | $0 |
| Q3 2025 | $513.1M | $124.8M | $89.5M | 342% | $0 |
| Q2 2025 | $543.0M | $146.6M | $104.4M | 372% | $0 |
| Q1 2025 | $559.7M | $144.5M | $107.1M | 395% | $0 |
| Q4 2024 | $575.8M | $138.9M | $122.3M | 428% | $0 |
| Q3 2024 | $583.0M | $148.4M | $123.7M | 445% | $0 |
| Q2 2024 | $587.6M | $152.4M | $134.5M | 473% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Rhinebeck BankCommunity Bank · Rhinebeck · $525.3M CRE book
- Exchange BankCommunity Bank · Kearney · $522.5M CRE book
- First Farmers and Merchants BankCommunity Bank · Columbia · $529.0M CRE book
- First National Bank of PulaskiCommunity Bank · Pulaski · $519.0M CRE book
- Dundee BankCommunity Bank · Omaha · $515.7M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.