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 — harris County
18 commercial deeds of trust recorded recently, verified from county records.
- Jul 21, 2026 · landundisclosed
- Jul 10, 2026 · unknownundisclosed
- Jul 10, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
- Jul 6, 2026 · unknownundisclosed
- Jul 6, 2026 · unknownundisclosed
- Jul 2, 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 4.87% (1.16pp above 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?
- 18 commercial deeds of trust naming VeraBank, National Association as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 21, 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.
- Guaranty BankCommunity Bank · Springfield · $1.4B CRE book
- PeoplesBankCommunity Bank · Holyoke · $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
Markets where VeraBank, National Association lends
VeraBank, National Association 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 21, 2026 · Sources: FFIEC CDR, county records, first-party conversations.