TX lenders / Community Bank
The First National Bank of Sonora
Community Bank · Sonora, TX · First Sonora Bancshares Inc
- Total assets
- $704.7M
- CRE loan book
- $258.3M
- QoQ CRE growth
- 19.1%
- Q1 2026
Recorded CRE activity — kendall County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 10, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.60% as of Q1 2026 — TX bank median 4.87% (1.73pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.60% | 7.40% |
| Q4 2025 | 6.66% | 7.54% |
| Q3 2025 | 6.73% | 7.45% |
| Q2 2025 | 6.36% | 7.26% |
| Q1 2025 | 6.16% | 6.94% |
| Q4 2024 | 6.30% | 7.13% |
| Q3 2024 | 6.48% | 7.20% |
| Q2 2024 | 6.24% | 6.88% |
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 | $258.3M | $64.8M | $18.1M | 319% | $10.3M |
| Q4 2025 | $217.0M | $45.8M | $11.0M | 269% | $5.4M |
| Q3 2025 | $214.0M | $47.9M | $11.1M | 284% | $4.6M |
| Q2 2025 | $206.1M | $51.9M | $11.1M | 277% | $5.9M |
| Q1 2025 | $199.3M | $50.9M | $13.6M | 286% | $3.3M |
| Q4 2024 | $198.1M | $48.5M | $13.0M | 265% | $3.7M |
| Q3 2024 | $196.2M | $51.5M | $13.0M | 263% | $2.4M |
| Q2 2024 | $185.7M | $47.9M | $13.1M | 264% | $711,000 |
The First National Bank of Sonora: frequently asked questions
- How large is The First National Bank of Sonora's commercial real estate loan book?
- As of Q1 2026, The First National Bank of Sonora reported $258.3M in commercial real estate loans out of $704.7M in total assets, per its FFIEC Call Report.
- Is The First National Bank of Sonora above the 300% CRE concentration guideline?
- The First National Bank of Sonora's CRE loans stood at 319% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is The First National Bank of Sonora growing or shrinking its CRE lending?
- The First National Bank of Sonora's CRE loan book grew 19.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is The First National Bank of Sonora in recorded CRE lending?
- 1 commercial deed of trust naming The First National Bank of Sonora as lender has been recorded recently in kendall County, verified from county records; the most recent was recorded Jul 10, 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.
- City State BankCommunity Bank · Norwalk · $256.6M CRE book
- FCN Bank, National AssociationCommunity Bank · Brookville · $256.5M CRE book
- FNBC BankCommunity Bank · Ash Flat · $260.6M CRE book
- The First National Bank of JeaneretteCommunity Bank · Jeanerette · $261.3M CRE book
- First State Bank NebraskaCommunity Bank · Lincoln · $254.6M CRE book
Last updated Jul 10, 2026 · Sources: FFIEC CDR, county records, first-party conversations.