TX lenders / Community Bank
Security State Bank & Trust
Community Bank · Fredericksburg, TX · Security Holding Co
- Total assets
- $2.0B
- CRE loan book
- $826.9M
- QoQ CRE growth
- 1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.11% as of Q1 2026 — TX bank median 6.76% (0.35pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.11% | 7.23% |
| Q4 2025 | 7.30% | 7.45% |
| Q3 2025 | 7.33% | 7.50% |
| Q2 2025 | 7.45% | 7.65% |
| Q1 2025 | 7.47% | 7.56% |
| Q4 2024 | 7.64% | 7.80% |
| Q3 2024 | 7.62% | 7.83% |
| Q2 2024 | 7.46% | 7.70% |
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 | $826.9M | $384.1M | $49.1M | 257% | $29.2M |
| Q4 2025 | $817.3M | $360.8M | $50.4M | 259% | $28.4M |
| Q3 2025 | $790.2M | $357.5M | $43.1M | 271% | $28.3M |
| Q2 2025 | $772.8M | $348.0M | $43.3M | 271% | $14.3M |
| Q1 2025 | $773.6M | $336.7M | $55.8M | 323% | $14.7M |
| Q4 2024 | $759.7M | $332.3M | $53.9M | 323% | $2.6M |
| Q3 2024 | $801.7M | $365.8M | $54.2M | 330% | $1.7M |
| Q2 2024 | $794.9M | $362.6M | $55.6M | 338% | $1.5M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Southern Bancorp BankCommunity Bank · Arkadelphia · $829.8M CRE book
- Bank IowaCommunity Bank · West Des Moines · $835.8M CRE book
- Citizens BankCommunity Bank · Elizabethton · $817.8M CRE book
- First National BankCommunity Bank · Fort Pierre · $839.3M CRE book
- The Fidelity Deposit and Discount BankCommunity Bank · Dunmore · $865.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.