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
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 3, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
19 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.00% (19 variable / 0 fixed) · $31.4M total approved.
Borrower cities: Austin (3), Houston (3), Dallas (2), 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 4.87% (2.71pp 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 |
T Bank, National Association: frequently asked questions
- How large is T Bank, National Association's commercial real estate loan book?
- As of Q1 2026, T Bank, National Association reported $482.3M in commercial real estate loans out of $1.0B in total assets, per its FFIEC Call Report.
- Is T Bank, National Association above the 300% CRE concentration guideline?
- T Bank, National Association's CRE loans stood at 144% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is T Bank, National Association growing or shrinking its CRE lending?
- T Bank, National Association's CRE loan book grew 2.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is T Bank, National Association in recorded CRE lending?
- 1 commercial deed of trust naming T Bank, National Association as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Aug 3, 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.
- UniBank for SavingsCommunity Bank · Whitinsville · $481.0M CRE book
- North Easton Savings BankCommunity Bank · South Easton · $477.1M CRE book
- Forcht Bank, National AssociationCommunity Bank · Lexington · $490.3M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- Availa BankCommunity Bank · Carroll · $466.9M CRE book
Markets where T Bank, National Association lends
T Bank, National Association 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 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.