TX lenders / Community Bank
Southwest Bank
Community Bank · Odessa, TX · Odessa Sw Bancshares Inc
- Total assets
- $697.7M
- CRE loan book
- $234.6M
- QoQ CRE growth
- -2.4%
- Q1 2026
Recorded CRE activity — smith County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
- Jul 1, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.04% as of Q1 2026 — TX bank median 6.76% (0.29pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.04% | 7.43% |
| Q4 2025 | 7.04% | 7.46% |
| Q3 2025 | 7.64% | 8.17% |
| Q2 2025 | 7.50% | 8.22% |
| Q1 2025 | 7.46% | 8.06% |
| Q4 2024 | 7.66% | 8.52% |
| Q3 2024 | 8.03% | 8.85% |
| Q2 2024 | 7.83% | 8.49% |
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 | $234.6M | $66.1M | $121,000 | 140% | $1.4M |
| Q4 2025 | $240.5M | $67.9M | $867,000 | 144% | $3.3M |
| Q3 2025 | $226.7M | $63.1M | $876,000 | 122% | $1.4M |
| Q2 2025 | $233.6M | $66.1M | $884,000 | 129% | $1.5M |
| Q1 2025 | $225.7M | $62.3M | $893,000 | 126% | $1.7M |
| Q4 2024 | $233.0M | $58.5M | $901,000 | 122% | $1.7M |
| Q3 2024 | $223.0M | $51.3M | $909,000 | 110% | $1.7M |
| Q2 2024 | $214.4M | $49.3M | $916,000 | 111% | $2.2M |
Southwest Bank: frequently asked questions
- How large is Southwest Bank's commercial real estate loan book?
- As of Q1 2026, Southwest Bank reported $234.6M in commercial real estate loans out of $697.7M in total assets, per its FFIEC Call Report.
- Is Southwest Bank above the 300% CRE concentration guideline?
- Southwest Bank's CRE loans stood at 140% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Southwest Bank growing or shrinking its CRE lending?
- Southwest Bank's CRE loan book shrank 2.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Southwest Bank in recorded CRE lending?
- 2 commercial deeds of trust naming Southwest Bank as lender have been recorded recently in smith 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.
- West Plains Bank and Trust CompanyCommunity Bank · West Plains · $234.6M CRE book
- First State BankCommunity Bank · Russellville · $234.9M CRE book
- Diamond BankCommunity Bank · Murfreesboro · $232.6M CRE book
- First Community BankCommunity Bank · Harbor Springs · $236.9M CRE book
- Clear Lake Bank and Trust CompanyCommunity Bank · Clear Lake · $231.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.