TX lenders / Community Bank
The MINT National Bank
Community Bank · Kingwood, TX · Mint Holdings Inc The
- Total assets
- $392.8M
- CRE loan book
- $263.9M
- QoQ CRE growth
- -2.4%
- Q1 2026
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · landundisclosed
- Jul 1, 2026 · landundisclosed
Observed rates
Real loans — SBA 7(a)
4 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.88% (4 variable / 0 fixed) · $7.8M total approved.
Source: SBA 7(a) FOIA dataset · most recent approval Jan 5, 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: 8.25% as of Q1 2026 — TX bank median 6.76% (1.49pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.25% | 8.19% |
| Q4 2025 | 8.29% | 8.30% |
| Q3 2025 | 8.59% | 8.65% |
| Q2 2025 | 8.56% | 8.69% |
| Q1 2025 | 8.42% | 8.56% |
| Q4 2024 | 8.41% | 8.63% |
| Q3 2024 | 8.33% | 8.56% |
| Q2 2024 | 8.43% | 8.53% |
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 | $263.9M | $56.4M | $7.1M | 235% | $10.5M |
| Q4 2025 | $270.2M | $64.0M | $6.3M | 251% | $11.6M |
| Q3 2025 | $264.9M | $68.2M | $7.7M | 244% | $6.2M |
| Q2 2025 | $257.3M | $65.6M | $5.3M | 263% | $6.5M |
| Q1 2025 | $265.6M | $61.6M | $6.8M | 303% | $6.6M |
| Q4 2024 | $274.8M | $57.7M | $6.9M | 326% | $14.9M |
| Q3 2024 | $260.3M | $56.5M | $2.9M | 248% | $16.0M |
| Q2 2024 | $260.3M | $55.5M | $2.9M | 257% | $15.6M |
The MINT National Bank: frequently asked questions
- How large is The MINT National Bank's commercial real estate loan book?
- As of Q1 2026, The MINT National Bank reported $263.9M in commercial real estate loans out of $392.8M in total assets, per its FFIEC Call Report.
- Is The MINT National Bank above the 300% CRE concentration guideline?
- The MINT National Bank's CRE loans stood at 235% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is The MINT National Bank growing or shrinking its CRE lending?
- The MINT National Bank's CRE loan book shrank 2.4% 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 MINT National Bank in recorded CRE lending?
- 2 commercial deeds of trust naming The MINT National Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 1, 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.
- Evolve Bank & TrustCommunity Bank · West Memphis · $263.9M CRE book
- Louisiana National BankCommunity Bank · Ruston · $263.2M CRE book
- Cattlemens BankCommunity Bank · Altus · $265.5M CRE book
- Central State BankCommunity Bank · State Center · $262.2M CRE book
- Riverstone BankCommunity Bank · Eagle · $265.7M CRE book
Markets where The MINT National Bank lends
The MINT National Bank 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 Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.