TX lenders / Community Bank
West Texas State Bank
Community Bank · Snyder, TX · Snyder Holding Co
- Total assets
- $407.2M
- CRE loan book
- $101.1M
- QoQ CRE growth
- 11.6%
- Q1 2026
Recorded CRE activity — midland County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 6, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.09% as of Q1 2026 — TX bank median 4.87% (3.22pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.09% | 8.44% |
| Q4 2025 | 8.97% | 9.00% |
| Q3 2025 | 8.88% | 8.78% |
| Q2 2025 | 8.18% | 9.09% |
| Q1 2025 | 8.96% | 8.97% |
| Q4 2024 | 8.96% | 9.57% |
| Q3 2024 | 9.01% | 9.30% |
| Q2 2024 | 8.53% | 9.52% |
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 | $101.1M | $35.1M | $1.3M | 143% | $0 |
| Q4 2025 | $90.5M | $33.7M | $0 | 134% | $0 |
| Q3 2025 | $94.8M | $35.4M | $878,000 | 161% | $2.8M |
| Q2 2025 | $91.9M | $34.0M | $891,000 | 164% | $2.9M |
| Q1 2025 | $82.8M | $27.0M | $1.5M | 143% | $0 |
| Q4 2024 | $83.3M | $29.5M | $1.5M | 153% | $0 |
| Q3 2024 | $81.3M | $30.3M | $1.5M | 160% | $0 |
| Q2 2024 | $81.5M | $27.7M | $1.6M | 167% | $4.3M |
West Texas State Bank: frequently asked questions
- How large is West Texas State Bank's commercial real estate loan book?
- As of Q1 2026, West Texas State Bank reported $101.1M in commercial real estate loans out of $407.2M in total assets, per its FFIEC Call Report.
- Is West Texas State Bank above the 300% CRE concentration guideline?
- West Texas State Bank's CRE loans stood at 143% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is West Texas State Bank growing or shrinking its CRE lending?
- West Texas State Bank's CRE loan book grew 11.6% 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 State Bank in recorded CRE lending?
- 1 commercial deed of trust naming West Texas State Bank as lender has been recorded recently in midland County, verified from county records; the most recent was recorded Jul 6, 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 Peoples State Bank of Newton, IllinoisCommunity Bank · Newton · $101.2M CRE book
- Security BankCommunity Bank · New Auburn · $100.7M CRE book
- Passumpsic Savings BankCommunity Bank · Saint Johnsbury · $100.7M CRE book
- Ohnward Bank & TrustCommunity Bank · Cascade · $100.6M CRE book
- The Bank and Trust, S.S.B.Community Bank · Del Rio · $101.8M CRE book
Last updated Jul 6, 2026 · Sources: FFIEC CDR, county records, first-party conversations.