TX lenders / Community Bank
Unity National Bank of Houston
Community Bank · Houston, TX
- Total assets
- $236.2M
- CRE loan book
- $59.6M
- QoQ CRE growth
- 5.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 4.83% as of Q1 2026 — TX bank median 6.76% (1.92pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 4.83% | 6.18% |
| Q4 2025 | 6.76% | 7.63% |
| Q3 2025 | 7.14% | 6.74% |
| Q2 2025 | 8.16% | 7.33% |
| Q1 2025 | 6.37% | 6.56% |
| Q4 2024 | 6.40% | 6.58% |
| Q3 2024 | 7.42% | 7.60% |
| Q2 2024 | 7.76% | 7.82% |
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 | $59.6M | $6.3M | $3.4M | 42% | $691,000 |
| Q4 2025 | $56.5M | $6.3M | $3.3M | 42% | $1.2M |
| Q3 2025 | $59.1M | $11.5M | $3.4M | 59% | $904,000 |
| Q2 2025 | $39.4M | $10.2M | $3.5M | 55% | $656,000 |
| Q1 2025 | $40.1M | $10.3M | $3.6M | 57% | $675,000 |
| Q4 2024 | $46.4M | $15.0M | $3.3M | 66% | $2.2M |
| Q3 2024 | $45.1M | $13.2M | $3.3M | 65% | $2.8M |
| Q2 2024 | $46.8M | $13.9M | $3.4M | 69% | $2.8M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Columbus Bank and Trust CompanyCommunity Bank · Columbus · $59.7M CRE book
- The Farmers Bank of MiltonCommunity Bank · Milton · $59.5M CRE book
- Center National BankCommunity Bank · Litchfield · $59.7M CRE book
- Taylor County BankCommunity Bank · Campbellsville · $59.8M CRE book
- First Community Bank of the Heartland, Inc.Community Bank · Clinton · $59.9M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.