TX lenders / Community Bank
T Bank, National Association
Community Bank · Dallas, TX · Tectonic Financial Inc
- Total assets
- $1.0B
- CRE loan book
- $482.3M
- QoQ CRE growth
- 2.5%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
24 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.00% (24 variable / 0 fixed) · $42.4M total approved.
Borrower cities: Austin (3), Houston (3), Dallas (3), Plano (2), Graford, League City.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 25, 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: 7.57% as of Q1 2026 — TX bank median 6.76% (0.81pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.57% | 8.16% |
| Q4 2025 | 8.13% | 8.99% |
| Q3 2025 | 8.13% | 9.03% |
| Q2 2025 | 7.88% | 8.89% |
| Q1 2025 | 8.14% | 8.58% |
| Q4 2024 | 8.11% | 9.04% |
| Q3 2024 | 8.61% | 9.36% |
| Q2 2024 | 8.56% | 9.15% |
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 | $482.3M | $93.9M | $0 | 144% | $19.9M |
| Q4 2025 | $470.8M | $81.4M | $0 | 131% | $22.7M |
| Q3 2025 | $455.5M | $93.3M | $0 | 141% | $24.1M |
| Q2 2025 | $446.0M | $88.0M | $0 | 138% | $24.6M |
| Q1 2025 | $438.7M | $83.7M | $0 | 139% | $13.8M |
| Q4 2024 | $414.4M | $71.7M | $0 | 128% | $8.0M |
| Q3 2024 | $388.4M | $65.6M | $0 | 113% | $5.8M |
| Q2 2024 | $376.3M | $59.1M | $0 | 107% | $4.7M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Ives BankCommunity Bank · Danbury · $482.3M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- American Bank of FreedomCommunity Bank · Wellsville · $493.6M CRE book
- Availa BankCommunity Bank · Carroll · $466.9M CRE book
- Central Bank IllinoisCommunity Bank · Geneseo · $462.5M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.