TX lenders / Community Bank
The Moody National Bank
Community Bank · Galveston, TX · Moody Bancshares Inc
- Total assets
- $1.5B
- CRE loan book
- $874.8M
- QoQ CRE growth
- 2.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.08% as of Q1 2026 — TX bank median 6.76% (0.67pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.08% | 6.17% |
| Q4 2025 | 6.34% | 6.42% |
| Q3 2025 | 6.33% | 6.44% |
| Q2 2025 | 6.33% | 6.46% |
| Q1 2025 | 6.04% | 6.20% |
| Q4 2024 | 6.03% | 6.22% |
| Q3 2024 | 6.15% | 6.33% |
| Q2 2024 | 6.10% | 6.56% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $874.8M | $93.5M | $100.3M | 259% | $10.9M |
| Q4 2025 | $853.5M | $135.2M | $95.9M | 256% | $11.7M |
| Q3 2025 | $915.2M | $128.7M | $94.1M | 271% | $8.3M |
| Q2 2025 | $945.6M | $150.6M | $73.4M | 287% | $8.5M |
| Q1 2025 | $957.2M | $127.8M | $73.8M | 295% | $9.1M |
| Q4 2024 | $975.6M | $150.8M | $92.4M | 302% | $9.4M |
| Q3 2024 | $967.7M | $145.8M | $93.3M | 269% | $9.9M |
| Q2 2024 | $952.2M | $155.0M | $93.7M | 269% | $10.1M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- National Bank of CommerceCommunity Bank · Superior · $877.0M CRE book
- CB&S Bank, Inc.Community Bank · Russellville · $882.2M CRE book
- The Fidelity Deposit and Discount BankCommunity Bank · Dunmore · $865.2M CRE book
- Wallis BankCommunity Bank · Wallis · $889.5M CRE book
- First National BankCommunity Bank · Fort Pierre · $839.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.