TX lenders / Community Bank
Shelby Savings Bank, SSB
Community Bank · Center, TX · Shelby Bancshares Inc
- Total assets
- $455.2M
- CRE loan book
- $58.7M
- QoQ CRE growth
- 0.9%
- Q1 2026
Recorded CRE activity — nacogdoches County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 9, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.37% as of Q1 2026 — TX bank median 4.87% (1.50pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.37% | 7.04% |
| Q4 2025 | 6.55% | 7.24% |
| Q3 2025 | 6.50% | 7.25% |
| Q2 2025 | 6.33% | 7.18% |
| Q1 2025 | 6.17% | 6.97% |
| Q4 2024 | 6.41% | 7.14% |
| Q3 2024 | 5.93% | 6.93% |
| Q2 2024 | 6.11% | 6.96% |
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 | $58.7M | $20.1M | $3.2M | 96% | $843,000 |
| Q4 2025 | $58.1M | $19.7M | $3.2M | 92% | $11,000 |
| Q3 2025 | $58.3M | $20.4M | $3.2M | 91% | $12,000 |
| Q2 2025 | $50.6M | $19.2M | $3.8M | 79% | $12,000 |
| Q1 2025 | $53.5M | $21.6M | $3.8M | 85% | $13,000 |
| Q4 2024 | $47.5M | $19.6M | $3.9M | 73% | $13,000 |
| Q3 2024 | $42.9M | $16.5M | $3.9M | 64% | $15,000 |
| Q2 2024 | $37.7M | $17.0M | $4.0M | 55% | $15,000 |
Shelby Savings Bank, SSB: frequently asked questions
- How large is Shelby Savings Bank, SSB's commercial real estate loan book?
- As of Q1 2026, Shelby Savings Bank, SSB reported $58.7M in commercial real estate loans out of $455.2M in total assets, per its FFIEC Call Report.
- Is Shelby Savings Bank, SSB above the 300% CRE concentration guideline?
- Shelby Savings Bank, SSB's CRE loans stood at 96% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Shelby Savings Bank, SSB growing or shrinking its CRE lending?
- Shelby Savings Bank, SSB's CRE loan book grew 0.9% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Shelby Savings Bank, SSB in recorded CRE lending?
- 1 commercial deed of trust naming Shelby Savings Bank, SSB as lender has been recorded recently in nacogdoches County, verified from county records; the most recent was recorded Jul 9, 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.
- Citizens Progressive BankCommunity Bank · Winnsboro · $58.5M CRE book
- Partners Bank of WisconsinCommunity Bank · Marshfield · $58.8M CRE book
- The Jefferson BankCommunity Bank · Greenville · $58.3M CRE book
- The Farmers BankCommunity Bank · Nicholasville · $59.1M CRE book
- The Citizens State BankCommunity Bank · Marysville · $58.2M CRE book
Last updated Jul 9, 2026 · Sources: FFIEC CDR, county records, first-party conversations.