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
Recorded CRE activity — harris County
4 commercial deeds of trust recorded recently, verified from county records.
- Aug 17, 2026 · unknownundisclosed
- Aug 13, 2026 · unknownundisclosed
- Aug 13, 2026 · unknownundisclosed
- Aug 13, 2026 · landundisclosed
Observed rates
Real loans — SBA 7(a)
6 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.00% (6 variable / 0 fixed) · $11.7M total approved.
Borrower cities: Dallas (2), Desoto, Houston, 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 4.87% (2.24pp 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 |
Southwestern National Bank: frequently asked questions
- How large is Southwestern National Bank's commercial real estate loan book?
- As of Q1 2026, Southwestern National Bank reported $953.0M in commercial real estate loans out of $1.4B in total assets, per its FFIEC Call Report.
- Is Southwestern National Bank above the 300% CRE concentration guideline?
- Southwestern National Bank's CRE loans stood at 326% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Southwestern National Bank growing or shrinking its CRE lending?
- Southwestern National Bank's CRE loan book shrank 0.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Southwestern National Bank in recorded CRE lending?
- 4 commercial deeds of trust naming Southwestern National Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 17, 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.
- Stride Bank, National AssociationCommunity Bank · Enid · $952.5M CRE book
- South Shore BankCommunity Bank · South Weymouth · $936.9M CRE book
- D. L. Evans BankCommunity Bank · Burley · $933.7M CRE book
- National Exchange Bank and TrustCommunity Bank · Fond Du Lac · $925.5M CRE book
- Vallant BankCommunity Bank · Elberton · $920.9M CRE book
Markets where Southwestern National Bank lends
Southwestern National Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Aug 17, 2026 · Sources: FFIEC CDR, county records, first-party conversations.