TX lenders / Community Bank
State Bank of Texas
Community Bank · Irving, TX · Sbt Bancshares Inc
- Total assets
- $2.8B
- CRE loan book
- $2.2B
- QoQ CRE growth
- -1.2%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 19, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.99% as of Q1 2026 — TX bank median 4.87% (4.13pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.99% | 9.00% |
| Q4 2025 | 9.50% | 9.50% |
| Q3 2025 | 9.91% | 9.91% |
| Q2 2025 | 9.65% | 9.65% |
| Q1 2025 | 9.68% | 9.67% |
| Q4 2024 | 10.40% | 10.40% |
| Q3 2024 | 10.69% | 10.69% |
| Q2 2024 | 11.07% | 11.10% |
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 | $2.2B | $222.6M | $0 | 514% | $25.6M |
| Q4 2025 | $2.2B | $213.7M | $0 | 517% | $49.8M |
| Q3 2025 | $2.2B | $204.9M | $0 | 491% | $54.3M |
| Q2 2025 | $2.2B | $170.2M | $0 | 519% | $54.9M |
| Q1 2025 | $2.3B | $165.2M | $0 | 550% | $55.1M |
| Q4 2024 | $2.3B | $292.4M | $0 | 536% | $54.6M |
| Q3 2024 | $2.3B | $310.9M | $918,000 | 560% | $57.2M |
| Q2 2024 | $2.2B | $294.4M | $1.2M | 536% | $44.1M |
State Bank of Texas: frequently asked questions
- How large is State Bank of Texas's commercial real estate loan book?
- As of Q1 2026, State Bank of Texas reported $2.2B in commercial real estate loans out of $2.8B in total assets, per its FFIEC Call Report.
- Is State Bank of Texas above the 300% CRE concentration guideline?
- State Bank of Texas's CRE loans stood at 514% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is State Bank of Texas growing or shrinking its CRE lending?
- State Bank of Texas's CRE loan book shrank 1.2% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is State Bank of Texas in recorded CRE lending?
- 1 commercial deed of trust naming State Bank of Texas as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Aug 19, 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.
- First International Bank & TrustCommunity Bank · Watford City · $2.2B CRE book
- California Bank of Commerce, National AssociationCommunity Bank · San Diego · $2.3B CRE book
- The Camden National BankCommunity Bank · Camden · $2.2B CRE book
- The Farmers National Bank of CanfieldCommunity Bank · Canfield · $2.1B CRE book
- The Fidelity BankCommunity Bank · Fuquay Varina · $2.1B CRE book
Markets where State Bank of Texas lends
State Bank of Texas 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 19, 2026 · Sources: FFIEC CDR, county records, first-party conversations.