TX lenders / Community Bank
Zapata National Bank
Community Bank · Zapata, TX · Zapata Bancshares Inc
- Total assets
- $83.1M
- CRE loan book
- $5.9M
- QoQ CRE growth
- -3.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.22% as of Q1 2026 — TX bank median 6.76% (0.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.22% | 7.12% |
| Q4 2025 | 7.57% | 7.61% |
| Q3 2025 | 7.45% | 7.18% |
| Q2 2025 | 7.52% | 7.32% |
| Q1 2025 | 7.45% | 7.26% |
| Q4 2024 | 7.48% | 7.39% |
| Q3 2024 | 7.02% | 7.03% |
| Q2 2024 | 7.57% | 7.33% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $5.9M | $962,000 | $233,000 | 14% | $0 |
| Q4 2025 | $6.1M | $1.1M | $238,000 | 16% | $0 |
| Q3 2025 | $6.0M | $1.0M | $254,000 | 15% | $0 |
| Q2 2025 | $5.9M | $1.0M | $269,000 | 14% | $0 |
| Q1 2025 | $5.9M | $999,000 | $283,000 | 14% | $0 |
| Q4 2024 | $6.0M | $1.0M | $297,000 | 14% | $0 |
| Q3 2024 | $7.0M | $1.1M | $312,000 | 23% | $1.5M |
| Q2 2024 | $7.3M | $1.4M | $326,000 | 26% | $293,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State Bank of ReesevilleCommunity Bank · Reeseville · $5.9M CRE book
- Elk State BankCommunity Bank · Clyde · $5.8M CRE book
- Richton Bank & Trust CompanyCommunity Bank · Richton · $5.8M CRE book
- Sanborn Savings BankCommunity Bank · Sanborn · $5.8M CRE book
- Franklin State Bank & Trust CompanyCommunity Bank · Winnsboro · $6.0M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.