UT lenders / Regional Bank
Happen Bank, National Association
Regional Bank · Lehi, UT · Lendingclub Corp
- Total assets
- $11.8B
- CRE loan book
- $491.6M
- QoQ CRE growth
- 4.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.42% as of Q1 2026 — TX bank median 4.87% (0.56pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.42% | 12.04% |
| Q4 2025 | 5.51% | 11.83% |
| Q3 2025 | 5.67% | 11.86% |
| Q2 2025 | 5.06% | 11.87% |
| Q1 2025 | 5.43% | 11.53% |
| Q4 2024 | 5.20% | 11.24% |
| Q3 2024 | 5.65% | 12.09% |
| Q2 2024 | 5.38% | 12.06% |
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 | $491.6M | $60.6M | $22.3M | 17% | $10.8M |
| Q4 2025 | $472.5M | $56.0M | $22.4M | 18% | $11.3M |
| Q3 2025 | $451.0M | $49.5M | $22.2M | 18% | $10.7M |
| Q2 2025 | $449.6M | $57.9M | $22.4M | 19% | $10.8M |
| Q1 2025 | $374.2M | $51.2M | $22.5M | 20% | $10.2M |
| Q4 2024 | $373.8M | $34.4M | $22.7M | 19% | $18.3M |
| Q3 2024 | $371.8M | $24.6M | $27.3M | 20% | $15.4M |
| Q2 2024 | $381.9M | $18.1M | $29.3M | 22% | $20.4M |
Signals
Similar lenders
Other regional banks we track with a comparable CRE book size.
- BNY Mellon, National AssociationRegional Bank · Pittsburgh · $834.0M CRE book
- Toyota Financial Savings BankRegional Bank · Henderson · $1.0B CRE book
- Safra National Bank of New YorkRegional Bank · New York · $1.1B CRE book
- Oriental BankRegional Bank · San Juan · $1.3B CRE book
- Amarillo National BankRegional Bank · Amarillo · $1.4B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.