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
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 6.76% (2.24pp 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.
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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 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First International Bank & TrustCommunity Bank · Watford City · $2.2B CRE book
- West BankCommunity Bank · West Des Moines · $2.3B CRE book
- The Fidelity BankCommunity Bank · Fuquay Varina · $2.1B CRE book
- Sunflower Bank, National AssociationCommunity Bank · Dallas · $2.1B CRE book
- Bar Harbor Bank & TrustCommunity Bank · Bar Harbor · $2.0B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.