TX lenders / Community Bank
The First National Bank of Winnsboro
Community Bank · Winnsboro, TX · Etex Banco Inc
- Total assets
- $156.2M
- CRE loan book
- $55.9M
- QoQ CRE growth
- 17.0%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Sep 15, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.53% as of Q1 2026 — TX bank median 4.87% (2.66pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.53% | 7.49% |
| Q4 2025 | 8.36% | 8.04% |
| Q3 2025 | 7.79% | 8.10% |
| Q2 2025 | 7.78% | 7.91% |
| Q1 2025 | 7.88% | 7.90% |
| Q4 2024 | 7.70% | 8.15% |
| Q3 2024 | 8.02% | 8.09% |
| Q2 2024 | 7.88% | 7.86% |
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 | $55.9M | $9.0M | $0 | 135% | $0 |
| Q4 2025 | $47.8M | $9.1M | $0 | 114% | $0 |
| Q3 2025 | $51.6M | $9.3M | $0 | 123% | $0 |
| Q2 2025 | $52.4M | $10.5M | $0 | 126% | $0 |
| Q1 2025 | $52.4M | $9.9M | $0 | 129% | $0 |
| Q4 2024 | $52.2M | $10.5M | $0 | 131% | $0 |
| Q3 2024 | $51.4M | $10.4M | $0 | 115% | $0 |
| Q2 2024 | $47.5M | $11.4M | $0 | 105% | $0 |
The First National Bank of Winnsboro: frequently asked questions
- How large is The First National Bank of Winnsboro's commercial real estate loan book?
- As of Q1 2026, The First National Bank of Winnsboro reported $55.9M in commercial real estate loans out of $156.2M in total assets, per its FFIEC Call Report.
- Is The First National Bank of Winnsboro above the 300% CRE concentration guideline?
- The First National Bank of Winnsboro's CRE loans stood at 135% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is The First National Bank of Winnsboro growing or shrinking its CRE lending?
- The First National Bank of Winnsboro's CRE loan book grew 17.0% 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 Winnsboro in recorded CRE lending?
- 1 commercial deed of trust naming The First National Bank of Winnsboro as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Sep 15, 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.
- The Falls City National BankCommunity Bank · Falls City · $55.9M CRE book
- Tanager BankCommunity Bank · Jackson · $56.1M CRE book
- First Texoma National BankCommunity Bank · Durant · $56.2M CRE book
- Bank of Abbeville & Trust CompanyCommunity Bank · Abbeville · $55.2M CRE book
- Manhattan BankCommunity Bank · Manhattan · $55.1M CRE book
See all alternatives to The First National Bank of Winnsboro →
Markets where The First National Bank of Winnsboro lends
The First National Bank of Winnsboro 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 Sep 15, 2026 · Sources: FFIEC CDR, county records, first-party conversations.