TX lenders / Community Bank
SouthStar Bank, S.S.B.
Community Bank · Moulton, TX · Southern Bancshares Inc
- Total assets
- $1.3B
- CRE loan book
- $349.8M
- QoQ CRE growth
- -3.4%
- Q1 2026
Recorded CRE activity — bell County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
4 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.63% (4 variable / 0 fixed) · $3.0M total approved.
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: 7.33% as of Q1 2026 — TX bank median 6.76% (0.57pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.33% | 7.02% |
| Q4 2025 | 7.41% | 7.42% |
| Q3 2025 | 7.42% | 7.58% |
| Q2 2025 | 7.18% | 7.23% |
| Q1 2025 | 7.27% | 7.28% |
| Q4 2024 | 7.39% | 7.40% |
| Q3 2024 | 7.28% | 7.30% |
| Q2 2024 | 7.07% | 7.04% |
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 | $349.8M | $181.2M | $2.1M | 137% | $9.2M |
| Q4 2025 | $362.1M | $182.3M | $2.1M | 147% | $6.0M |
| Q3 2025 | $355.4M | $175.5M | $2.1M | 147% | $6.1M |
| Q2 2025 | $345.1M | $168.2M | $2.1M | 145% | $6.1M |
| Q1 2025 | $334.7M | $157.7M | $2.1M | 142% | $142,000 |
| Q4 2024 | $339.6M | $153.6M | $2.2M | 148% | $0 |
| Q3 2024 | $340.5M | $159.4M | $2.4M | 156% | $0 |
| Q2 2024 | $335.4M | $161.4M | $2.4M | 161% | $0 |
SouthStar Bank, S.S.B.: frequently asked questions
- How large is SouthStar Bank, S.S.B.'s commercial real estate loan book?
- As of Q1 2026, SouthStar Bank, S.S.B. reported $349.8M in commercial real estate loans out of $1.3B in total assets, per its FFIEC Call Report.
- Is SouthStar Bank, S.S.B. above the 300% CRE concentration guideline?
- SouthStar Bank, S.S.B.'s CRE loans stood at 137% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is SouthStar Bank, S.S.B. growing or shrinking its CRE lending?
- SouthStar Bank, S.S.B.'s CRE loan book shrank 3.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is SouthStar Bank, S.S.B. in recorded CRE lending?
- 1 commercial deed of trust naming SouthStar Bank, S.S.B. as lender has been recorded recently in bell County, verified from county records; the most recent was recorded Jul 2, 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.
- Fidelity Bank & TrustCommunity Bank · Dubuque · $352.9M CRE book
- Legend Bank, N.A.Community Bank · Bowie · $357.3M CRE book
- First Liberty BankCommunity Bank · Oklahoma City · $358.0M CRE book
- Wood & Huston BankCommunity Bank · Marshall · $359.8M CRE book
- The Farmers & Merchants BankCommunity Bank · Berlin · $362.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.