TX lenders / Community Bank
Southwestern National Bank
Community Bank · Houston, TX · Swnb Bcorp Inc
- Total assets
- $1.4B
- CRE loan book
- $953.0M
- QoQ CRE growth
- -0.1%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
7 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.25% (7 variable / 0 fixed) · $12.2M total approved.
Borrower cities: Dallas (2), Houston (2), Desoto, Corsicana, Nacogdoches.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 26, 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: 7.10% as of Q1 2026 — TX bank median 6.76% (0.35pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.10% | 7.10% |
| Q4 2025 | 7.21% | 7.24% |
| Q3 2025 | 7.19% | 7.23% |
| Q2 2025 | 7.07% | 7.11% |
| Q1 2025 | 6.90% | 6.97% |
| Q4 2024 | 7.10% | 7.18% |
| Q3 2024 | 6.89% | 6.98% |
| Q2 2024 | 6.71% | 6.79% |
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 | $953.0M | $86.5M | $61.1M | 326% | $2.8M |
| Q4 2025 | $954.0M | $84.4M | $55.2M | 345% | $4.2M |
| Q3 2025 | $946.5M | $80.8M | $46.3M | 343% | $2.2M |
| Q2 2025 | $943.7M | $110.3M | $39.9M | 365% | $1.6M |
| Q1 2025 | $918.7M | $109.8M | $38.2M | 366% | $0 |
| Q4 2024 | $899.2M | $104.5M | $36.2M | 361% | $0 |
| Q3 2024 | $861.9M | $104.9M | $21.7M | 355% | $0 |
| Q2 2024 | $863.4M | $98.0M | $25.2M | 370% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- D. L. Evans BankCommunity Bank · Burley · $933.7M CRE book
- Kish BankCommunity Bank · Belleville · $928.7M CRE book
- Jefferson BankCommunity Bank · San Antonio · $981.2M CRE book
- National Exchange Bank and TrustCommunity Bank · Fond Du Lac · $925.5M CRE book
- Central BankCommunity Bank · Storm Lake · $982.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.