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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% | 17 | 0 | 144.88 |
| 2 | PlainsCapital Bank | $4.6B | +2.4% | 258% | 14 | 10 | 120.12 |
| 3 | Third Coast Bank | $2.5B | +23.0% | 322% | 11 | 0 | 115.71 |
| 4 | Frost Bank | $10.3B | +2.5% | 120% | 17 | 2 | 112.25 |
| 5 | Stellar Bank | $4.7B | +3.5% | 236% | 12 | 0 | 82.37 |
| 6 | The Huntington National Bank | $38.6B | +65.8% | 94% | 0 | 0 | 67.47 |
| 7 | Pinnacle Bank | $36.7B | +120.9% | 246% | 0 | 0 | 67.42 |
| 8 | Fifth Third Bank, National Association | $34.3B | +107.9% | 80% | 0 | 0 | 67.35 |
| 9 | TexasBank | $808.0M | +7.0% | 209% | 6 | 3 | 66.54 |
| 10 | Nicolet National Bank | $5.0B | +94.2% | 213% | 0 | 0 | 65.42 |
| 11 | NBH Bank | $3.9B | +39.7% | 210% | 0 | 0 | 65.19 |
| 12 | The Park National Bank | $3.8B | +35.7% | 198% | 0 | 0 | 65.14 |
| 13 | Heartland Bank and Trust Company | $2.7B | +28.9% | 264% | 0 | 0 | 64.8 |
| 14 | Equity Bank | $2.5B | +28.9% | 238% | 0 | 0 | 64.73 |
| 15 | Bank First, N.A. | $2.2B | +26.1% | 245% | 0 | 0 | 64.62 |
| 16 | The Farmers National Bank of Canfield | $2.1B | +48.4% | 205% | 0 | 0 | 64.57 |
| 17 | First United Bank | $747.6M | +5.4% | 180% | 8 | 0 | 64.38 |
| 18 | International Bank of Commerce | $4.6B | +2.5% | 213% | 7 | 3 | 64.3 |
| 19 | First Merchants Bank | $5.4B | +24.3% | 181% | 0 | 0 | 64.17 |
| 20 | Wayne Bank | $991.5M | +34.0% | 198% | 0 | 0 | 63.81 |
| 21 | Planters Bank & Trust Company | $973.6M | +36.4% | 260% | 0 | 0 | 63.79 |
| 22 | Lawrence Bank | $966.4M | +74.4% | 179% | 0 | 0 | 63.78 |
| 23 | Servbank, National Association | $662.6M | +100.8% | 277% | 0 | 0 | 63.4 |
| 24 | Cornerstone Capital Bank, SSB | $612.8M | +130.7% | 123% | 0 | 0 | 63.33 |
| 25 | American Bank of Commerce | $886.4M | +20.2% | 334% | 0 | 3 | 63.13 |
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) | CRE roles open |
|---|---|---|---|---|---|---|
| 1 | Texas Gulf Bank, National Association | $279.4M | -6.3% | 191% | 7 | 0 |
| 2 | American First National Bank | $2.1B | -1.6% | 276% | 5 | 0 |
| 3 | Texas Bank and Trust Company | $2.1B | -1.4% | 283% | 3 | 0 |
| 4 | Alliance Bank Central Texas | $568.1M | -1.4% | 272% | 5 | 0 |
| 5 | Texas Capital Bank | $5.2B | -0.8% | 123% | 6 | 3 |
| 6 | Charter Bank | $110.8M | -0.8% | 290% | 3 | 0 |
| 7 | Alliance Bank | $459.6M | -0.5% | 221% | 2 | 0 |
| 8 | City Bank | $1.6B | -0.5% | 214% | 4 | 1 |
| 9 | Broadway National Bank | $1.7B | -0.4% | 191% | 2 | 0 |
| 10 | The First National Bank of McGregor | $394.3M | -0.4% | 180% | 3 | 0 |
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.