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
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Sep 9, 2026 · unknownundisclosed
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 4.87% (0.03pp 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.
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 | $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 |
Unity National Bank of Houston: frequently asked questions
- How large is Unity National Bank of Houston's commercial real estate loan book?
- As of Q1 2026, Unity National Bank of Houston reported $59.6M in commercial real estate loans out of $236.2M in total assets, per its FFIEC Call Report.
- Is Unity National Bank of Houston above the 300% CRE concentration guideline?
- Unity National Bank of Houston's CRE loans stood at 42% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Unity National Bank of Houston growing or shrinking its CRE lending?
- Unity National Bank of Houston's CRE loan book grew 5.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Unity National Bank of Houston in recorded CRE lending?
- 1 commercial deed of trust naming Unity National Bank of Houston as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Sep 9, 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 Farmers Bank of MiltonCommunity Bank · Milton · $59.5M CRE book
- Center National BankCommunity Bank · Litchfield · $59.7M CRE book
- First Community Bank of the Heartland, Inc.Community Bank · Clinton · $59.9M CRE book
- State Bank of GraymontCommunity Bank · Graymont · $60.2M CRE book
- Partners Bank of WisconsinCommunity Bank · Marshfield · $58.8M CRE book
Markets where Unity National Bank of Houston lends
Unity National Bank of Houston 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 9, 2026 · Sources: FFIEC CDR, county records, first-party conversations.