TX lenders / Community Bank
West Texas National Bank
Community Bank · Midland, TX · First West Tx Bancshares Inc
- Total assets
- $2.8B
- CRE loan book
- $532.4M
- QoQ CRE growth
- -1.0%
- Q1 2026
Recorded CRE activity — midland County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 14, 2026 · industrialundisclosed
- Jul 8, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.63% as of Q1 2026 — TX bank median 4.87% (1.76pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.63% | 6.69% |
| Q4 2025 | 7.03% | 7.24% |
| Q3 2025 | 7.08% | 7.32% |
| Q2 2025 | 7.55% | 7.56% |
| Q1 2025 | 6.57% | 7.01% |
| Q4 2024 | 6.80% | 7.38% |
| Q3 2024 | 7.43% | 7.70% |
| Q2 2024 | 7.29% | 7.68% |
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 | $532.4M | $188.0M | $46.6M | 137% | $17.3M |
| Q4 2025 | $537.6M | $200.9M | $47.0M | 144% | $260,000 |
| Q3 2025 | $525.1M | $190.1M | $59.1M | 151% | $172,000 |
| Q2 2025 | $489.1M | $171.1M | $58.2M | 147% | $16,000 |
| Q1 2025 | $488.9M | $177.4M | $47.0M | 154% | $7.0M |
| Q4 2024 | $520.5M | $184.0M | $90.6M | 170% | $3.5M |
| Q3 2024 | $532.3M | $175.1M | $96.2M | 180% | $20,000 |
| Q2 2024 | $515.1M | $176.9M | $110.9M | 180% | $2.8M |
West Texas National Bank: frequently asked questions
- How large is West Texas National Bank's commercial real estate loan book?
- As of Q1 2026, West Texas National Bank reported $532.4M in commercial real estate loans out of $2.8B in total assets, per its FFIEC Call Report.
- Is West Texas National Bank above the 300% CRE concentration guideline?
- West Texas National Bank's CRE loans stood at 137% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is West Texas National Bank growing or shrinking its CRE lending?
- West Texas National Bank's CRE loan book shrank 1.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is West Texas National Bank in recorded CRE lending?
- 2 commercial deeds of trust naming West Texas National Bank as lender have been recorded recently in midland County, verified from county records; the most recent was recorded Jul 14, 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 State Bank and Trust CompanyCommunity Bank · Defiance · $535.4M CRE book
- First Farmers and Merchants BankCommunity Bank · Columbia · $529.0M CRE book
- Financial Federal BankCommunity Bank · Memphis · $524.6M CRE book
- Schertz Bank & TrustCommunity Bank · Schertz · $524.2M CRE book
- Exchange BankCommunity Bank · Kearney · $522.5M CRE book
Last updated Jul 14, 2026 · Sources: FFIEC CDR, county records, first-party conversations.