TX lenders / Community Bank
VeraBank, National Association
Community Bank · Henderson, TX · Verabank Inc
- Total assets
- $4.5B
- CRE loan book
- $1.4B
- QoQ CRE growth
- 3.8%
- Q1 2026
Recorded CRE activity — smith County
8 commercial deeds of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
10 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.50% (10 variable / 0 fixed) · $3.8M total approved.
Borrower cities: Austin (4), Bryan (2), Brenham, Lufkin, Lindale, Longview.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 23, 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: 6.03% as of Q1 2026 — TX bank median 6.76% (0.73pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.45% |
| Q4 2025 | 6.07% | 6.46% |
| Q3 2025 | 6.14% | 6.55% |
| Q2 2025 | 5.96% | 6.41% |
| Q1 2025 | 5.83% | 6.27% |
| Q4 2024 | 6.29% | 6.68% |
| Q3 2024 | 5.88% | 6.30% |
| Q2 2024 | 5.63% | 6.10% |
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 | $1.4B | $288.0M | $89.6M | 175% | $12.6M |
| Q4 2025 | $1.3B | $294.4M | $62.3M | 170% | $11.0M |
| Q3 2025 | $1.3B | $287.3M | $63.4M | 176% | $8.3M |
| Q2 2025 | $1.3B | $283.3M | $57.3M | 179% | $7.6M |
| Q1 2025 | $1.3B | $313.7M | $57.6M | 191% | $2.3M |
| Q4 2024 | $1.3B | $311.6M | $56.8M | 196% | $2.4M |
| Q3 2024 | $1.3B | $324.1M | $58.7M | 210% | $3.0M |
| Q2 2024 | $1.3B | $358.9M | $41.0M | 204% | $2.5M |
VeraBank, National Association: frequently asked questions
- How large is VeraBank, National Association's commercial real estate loan book?
- As of Q1 2026, VeraBank, National Association reported $1.4B in commercial real estate loans out of $4.5B in total assets, per its FFIEC Call Report.
- Is VeraBank, National Association above the 300% CRE concentration guideline?
- VeraBank, National Association's CRE loans stood at 175% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is VeraBank, National Association growing or shrinking its CRE lending?
- VeraBank, National Association's CRE loan book grew 3.8% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is VeraBank, National Association in recorded CRE lending?
- 8 commercial deeds of trust naming VeraBank, National Association as lender have been recorded recently in smith County, verified from county records; the most recent was recorded Jul 2, 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.
- Bank of StocktonCommunity Bank · Stockton · $1.4B CRE book
- Hills Bank and Trust CompanyCommunity Bank · Hills · $1.4B CRE book
- Pinnacle BankCommunity Bank · Fort Worth · $1.3B CRE book
- Farmers Bank & Trust CompanyCommunity Bank · Magnolia · $1.4B CRE book
- Midwest BankCentreCommunity Bank · Lemay · $1.5B CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.