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Who's Lending Right Now
Texas banks ranked by current commercial real estate lending activity — a composite of quarter-over-quarter CRE loan growth, CRE book size, recorded county activity, and active CRE hiring. Built from FFIEC Call Report filings, county recorded documents, and job postings; refreshed as new data lands.
Last updated: Q1 2026 Call Report data (Mar 31, 2026)
Growing CRE books — top 25
Banks whose CRE loan portfolio grew quarter-over-quarter, ranked by composite activity score.
| # | Bank | CRE loans | QoQ change | Concentration | Recorded (90d) | CRE roles open | Score |
|---|---|---|---|---|---|---|---|
| 1 | Prosperity Bank | $10.4B | +21.9% | 182% | 123 | 0 | 674.88 |
| 2 | SSB Community Bank | $85.5M | +4.9% | 199% | 78 | 0 | 411.12 |
| 3 | Frost Bank | $10.3B | +2.5% | 120% | 58 | 3 | 320.25 |
| 4 | The Park National Bank | $3.8B | +35.7% | 198% | 40 | 0 | 265.14 |
| 5 | Third Coast Bank | $2.5B | +23.0% | 322% | 27 | 0 | 195.71 |
| 6 | U.S. Bank National Association | $48.4B | +2.9% | 76% | 31 | 0 | 178.43 |
| 7 | First Financial Bank | $67.6M | +2.1% | 132% | 26 | 0 | 145.38 |
| 8 | First Financial Bank, National Association | $1.9B | +13.0% | 266% | 20 | 0 | 140.55 |
| 9 | PlainsCapital Bank | $4.6B | +2.4% | 258% | 15 | 15 | 140.12 |
| 10 | Texas First Bank | $932.0M | +7.0% | 237% | 19 | 0 | 122.71 |
| 11 | Capital Bank | $446.1M | +2.0% | 269% | 21 | 0 | 122.03 |
| 12 | Mid Penn Bank | $3.2B | +10.1% | 321% | 15 | 0 | 110.22 |
| 13 | The Farmers National Bank of Canfield | $2.1B | +48.4% | 205% | 9 | 0 | 109.57 |
| 14 | New Carlisle Federal Savings Bank | $121.4M | +4.2% | 239% | 17 | 0 | 105.05 |
| 15 | Central Bank | $982.3M | +1.5% | 269% | 17 | 0 | 101.82 |
| 16 | Texas Traditions Bank | $191.9M | +5.8% | 280% | 15 | 0 | 98.84 |
| 17 | The Merchants National Bank | $299.5M | +0.0% | 150% | 17 | 0 | 97.63 |
| 18 | Kingston National Bank | $80.1M | +9.3% | 73% | 13 | 0 | 94.95 |
| 19 | First Merchants Bank | $5.4B | +24.3% | 181% | 6 | 0 | 94.17 |
| 20 | UMB Bank, National Association | $15.8B | +1.9% | 188% | 14 | 0 | 90.3 |
| 21 | Fortuna Bank | $18.6M | +126.9% | 62% | 5 | 0 | 84.83 |
| 22 | The Vinton County National Bank | $296.7M | +2.1% | 112% | 13 | 0 | 81.88 |
| 23 | Bank of Colorado | $3.1B | +2.8% | 300% | 12 | 0 | 80.59 |
| 24 | First Resource Bank | $453.6M | +6.1% | 445% | 11 | 0 | 80.24 |
| 25 | Home Bank, National Association | $1.7B | +0.2% | 211% | 13 | 0 | 79.82 |
Shrinking CRE books
Largest quarter-over-quarter CRE portfolio declines among banks with at least $50.0M in CRE loans. A shrinking book reflects net balance change — payoffs, sales, and charge-offs as well as slower originations.
| # | Bank | CRE loans | QoQ change | Concentration | Recorded (90d) |
|---|---|---|---|---|---|
| 1 | First Federal Community Bank, SSB | $114.8M | -7.1% | 83% | 42 |
| 2 | First Commonwealth Bank | $3.6B | -6.6% | 209% | 27 |
| 3 | Texas Gulf Bank, National Association | $279.4M | -6.3% | 191% | 14 |
| 4 | The Harrison Building and Loan Association | $59.5M | -5.4% | 112% | 5 |
| 5 | Main Street Bank | $454.1M | -4.7% | 155% | 4 |
| 6 | Redstone Bank | $112.6M | -4.3% | 223% | 5 |
| 7 | North Valley Bank | $144.8M | -4.3% | 242% | 7 |
| 8 | First Interstate Bank | $8.7B | -3.1% | 233% | 5 |
| 9 | SouthTrust Bank, N.A. | $181.9M | -2.9% | 151% | 5 |
| 10 | The Old Fort Banking Company | $196.9M | -2.4% | 158% | 5 |
How the ranking works
Each bank's composite score combines four measured data fields: latest quarter-over-quarter CRE loan growth (clamped to ±25% so one-off swings don't dominate), CRE book size (log-scaled), commercial deeds of trust recorded in tracked counties over the last 90 days, and active CRE-related job postings.
Growth and book size come from quarterly FFIEC Call Report filings — figures every bank reports to its regulator. Recorded-activity counts are verified against county records. Hiring counts reflect currently active postings.
All inputs are observable data fields, not editorial judgments. Banks cannot submit, sponsor, or opt out.
Sources: FFIEC Call Reports (quarterly, dollar figures as reported), county recorded documents (rolling 90 days), active job postings. Growth figures are net portfolio balance changes, not origination volume. Not an offer of credit or a recommendation of any institution.