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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% | 119 | 0 | 654.88 |
| 2 | Frost Bank | $10.3B | +2.5% | 120% | 88 | 5 | 476.25 |
| 3 | First Financial Bank | $67.6M | +2.1% | 132% | 66 | 0 | 345.38 |
| 4 | SSB Community Bank | $85.5M | +4.9% | 199% | 58 | 0 | 311.12 |
| 5 | PlainsCapital Bank | $4.6B | +2.4% | 258% | 38 | 10 | 240.12 |
| 6 | Pinnacle Bank | $1.3B | +2.6% | 358% | 41 | 0 | 224.22 |
| 7 | Third Coast Bank | $2.5B | +23.0% | 322% | 27 | 0 | 195.71 |
| 8 | The Park National Bank | $3.8B | +35.7% | 198% | 25 | 0 | 190.14 |
| 9 | First United Bank | $747.6M | +5.4% | 180% | 29 | 0 | 169.38 |
| 10 | U.S. Bank National Association | $48.4B | +2.9% | 76% | 22 | 0 | 133.43 |
| 11 | Capital Bank | $446.1M | +2.0% | 269% | 21 | 0 | 122.03 |
| 12 | International Bank of Commerce | $4.6B | +2.5% | 213% | 18 | 1 | 113.3 |
| 13 | The American National Bank of Texas | $2.1B | +3.4% | 256% | 17 | 2 | 112.32 |
| 14 | VeraBank, National Association | $1.4B | +3.8% | 175% | 18 | 0 | 111.72 |
| 15 | Southside Bank | $3.4B | +4.1% | 300% | 17 | 1 | 111.31 |
| 16 | Texas First Bank | $932.0M | +7.0% | 237% | 15 | 0 | 102.71 |
| 17 | Stellar Bank | $4.7B | +3.5% | 236% | 16 | 0 | 102.37 |
| 18 | First National Bank of Central Texas | $629.2M | +1.2% | 215% | 17 | 0 | 100.81 |
| 19 | TexasBank | $808.0M | +7.0% | 209% | 14 | 0 | 97.54 |
| 20 | American Bank of Commerce | $886.4M | +20.2% | 334% | 8 | 1 | 97.13 |
| 21 | UMB Bank, National Association | $15.8B | +1.9% | 188% | 15 | 0 | 95.3 |
| 22 | First Resource Bank | $453.6M | +6.1% | 445% | 14 | 0 | 95.24 |
| 23 | Sunflower Bank, National Association | $2.1B | +2.7% | 122% | 6 | 14 | 91.87 |
| 24 | Commercial Bank of Texas, National Association | $571.4M | +5.1% | 178% | 13 | 0 | 88.52 |
| 25 | Mid Penn Bank | $3.2B | +10.1% | 321% | 10 | 0 | 85.22 |
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% | 41 |
| 2 | First Commonwealth Bank | $3.6B | -6.6% | 209% | 30 |
| 3 | Texas Gulf Bank, National Association | $279.4M | -6.3% | 191% | 16 |
| 4 | ANB Bank | $707.4M | -5.7% | 171% | 5 |
| 5 | North Valley Bank | $144.8M | -4.3% | 242% | 5 |
| 6 | Extraco Banks, National Association | $483.3M | -3.9% | 159% | 8 |
| 7 | Fidelity Bank of Texas | $51.9M | -3.4% | 247% | 7 |
| 8 | Inwood National Bank | $2.0B | -3.1% | 332% | 4 |
| 9 | The Northern Trust Company | $6.3B | -3.1% | 43% | 3 |
| 10 | First Interstate Bank | $8.7B | -3.1% | 233% | 3 |
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.