Asset Quality ranking · Texas · Call report data as of September 30, 2026
Texas Banks: Highest CRE Delinquency
Monet Bank has the highest commercial real estate noncurrent rate of the 242 ranked banks headquartered in Texas, at 48.60% as of September 30, 2026. The median among the 242 ranked Texas banks is 0.05%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.01%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Texas banks by commercial real estate noncurrent rate. For the largest banks headquartered in Texas, see largest banks in Texas.
- No. 1 in Texas
- Monet Bank
- Its CRE noncurrent
- 48.60%
- Texas median
- 0.05%
- Banks ranked
- 242
Ranked among banks headquartered in Texas, numbered 1 to 100 within the state from the same population as the national list. Browse every bank in the Texas bank directory.
Top 100 Texas banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Texas median of 0.05%. Missing values show as a dash and sort last.
| 1 | Monet Bank Plano, TX | 48.60% | $2.32B $1B to $10B |
| 2 | Transpecos Banks, SSB Pecos, TX | 26.08% | $937.2M $100M to $1B |
| 3 | TBK Bank, SSB Dallas, TX | 17.84% | $7.68B $1B to $10B |
| 4 | Texas Advantage Community Bank, N.A. Alvin, TX | 13.79% | $186.5M $100M to $1B |
| 5 | NexBank Dallas, TX | 10.73% | $13.97B $10B to $100B |
| 6 | Wellington State Bank Wellington, TX | 9.97% | $648.3M $100M to $1B |
| 7 | First National Bank in Port Lavaca Port Lavaca, TX | 9.79% | $387.7M $100M to $1B |
| 8 | Crossroads Bank Yoakum, TX | 9.49% | $379.7M $100M to $1B |
| 9 | Pilgrim Bank Pittsburg, TX | 8.77% | $745.8M $100M to $1B |
| 10 | Plains State Bank Humble, TX | 8.73% | $806.3M $100M to $1B |
| 11 | The First National Bank of Eagle Lake Eagle Lake, TX | 8.69% | $169.1M $100M to $1B |
| 12 | First National Bank of Giddings Giddings, TX | 8.66% | $371.6M $100M to $1B |
| 13 | Gilmer National Bank Gilmer, TX | 8.05% | $378.8M $100M to $1B |
| 14 | Commercial National Bank of Texarkana Texarkana, TX | 7.48% | $342.0M $100M to $1B |
| 15 | Amarillo National Bank Amarillo, TX | 6.71% | $10.45B $10B to $100B |
| 16 | The First National Bank of Hughes Springs Hughes Springs, TX | 6.33% | $314.0M $100M to $1B |
| 17 | First National Bank and Trust Company of Weatherford dba First Bank Texas Weatherford, TX | 6.10% | $951.5M $100M to $1B |
| 18 | Security State Bank & Trust Fredericksburg, TX | 5.92% | $1.97B $1B to $10B |
| 19 | Texas Heritage National Bank Daingerfield, TX | 5.72% | $951.9M $100M to $1B |
| 20 | R Bank Round Rock, TX | 5.70% | $1.03B $1B to $10B |
| 21 | Security Bank of Texas Crawford, TX | 5.45% | $184.3M $100M to $1B |
| 22 | First State Bank of Texas Orange, TX | 5.32% | $366.6M $100M to $1B |
| 23 | The First National Bank of East Texas Gilmer, TX | 4.93% | $588.2M $100M to $1B |
| 24 | The First State Bank Louise, TX | 4.75% | $897.1M $100M to $1B |
| 25 | McBank Goldthwaite, TX | 4.75% | $464.0M $100M to $1B |
| 26 | Citizens National Bank of Texas Waxahachie, TX | 3.66% | $2.25B $1B to $10B |
| 27 | The Mint National Bank Kingwood, TX | 3.48% | $389.1M $100M to $1B |
| 28 | Texana Bank, N.A. Linden, TX | 3.09% | $321.9M $100M to $1B |
| 29 | Classic Bank, N.A. Cameron, TX | 2.96% | $702.6M $100M to $1B |
| 30 | The State National Bank of Big Spring Big Spring, TX | 2.92% | $624.2M $100M to $1B |
| 31 | North Dallas Bank & Trust Co. Dallas, TX | 2.46% | $1.82B $1B to $10B |
| 32 | The First National Bank of McGregor McGregor, TX | 2.45% | $1.10B $1B to $10B |
| 33 | The Commercial National Bank of Brady Brady, TX | 2.44% | $422.3M $100M to $1B |
| 34 | American State Bank Arp, TX | 2.43% | $631.3M $100M to $1B |
| 35 | The Waggoner National Bank of Vernon Vernon, TX | 2.42% | $342.3M $100M to $1B |
| 36 | Wallis Bank Wallis, TX | 2.32% | $1.42B $1B to $10B |
| 37 | Titan Bank, N.A. Mineral Wells, TX | 2.30% | $860.9M $100M to $1B |
| 38 | Lone Star National Bank Pharr, TX | 2.24% | $3.21B $1B to $10B |
| 39 | Texas National Bank of Jacksonville Jacksonville, TX | 2.09% | $860.7M $100M to $1B |
| 40 | Southstar Bank, S.S.B. Moulton, TX | 2.03% | $1.34B $1B to $10B |
| 41 | International Bank of Commerce Laredo, TX | 1.92% | $9.80B $1B to $10B |
| 42 | First State Bank Gainesville, TX | 1.89% | $1.81B $1B to $10B |
| 43 | Sundown State Bank Sundown, TX | 1.82% | $316.4M $100M to $1B |
| 44 | The First National Bank of Sonora Sonora, TX | 1.78% | $716.6M $100M to $1B |
| 45 | Interstate Bank Perryton, TX | 1.76% | $285.3M $100M to $1B |
| 46 | Ubank Huntington, TX | 1.75% | $1.08B $1B to $10B |
| 47 | American Momentum Bank College Station, TX | 1.68% | $2.85B $1B to $10B |
| 48 | First State Bank of Uvalde Uvalde, TX | 1.66% | $1.74B $1B to $10B |
| 49 | TIB, N.A. Farmers Branch, TX | 1.61% | $3.02B $1B to $10B |
| 50 | State Bank of Texas Irving, TX | 1.56% | $2.49B $1B to $10B |
| 51 | T Bank, N.A. Dallas, TX | 1.55% | $1.17B $1B to $10B |
| 52 | Commercial Bank of Texas, N.A. Nacogdoches, TX | 1.41% | $1.74B $1B to $10B |
| 53 | First Financial Bank Abilene, TX | 1.29% | $15.08B $10B to $100B |
| 54 | Jefferson Bank San Antonio, TX | 1.24% | $2.94B $1B to $10B |
| 55 | TXN Bank Hondo, TX | 1.14% | $660.4M $100M to $1B |
| 56 | Golden Bank, N.A. Houston, TX | 1.10% | $2.31B $1B to $10B |
| 57 | First Texas National Bank Floydada, TX | 1.08% | $243.8M $100M to $1B |
| 58 | Woodforest National Bank The Woodlands, TX | 1.08% | $9.12B $1B to $10B |
| 59 | Alliance Bank Central Texas Woodway, TX | 1.07% | $1.33B $1B to $10B |
| 60 | Llano National Bank Llano, TX | 1.05% | $293.7M $100M to $1B |
| 61 | Alliance Bank Sulphur Springs, TX | 1.02% | $1.35B $1B to $10B |
| 62 | Gulf Capital Bank Houston, TX | 1.00% | $631.8M $100M to $1B |
| 63 | Citizens State Bank Somerville, TX | 0.98% | $1.26B $1B to $10B |
| 64 | The Karnes County National Bank of Karnes City Karnes City, TX | 0.95% | $555.0M $100M to $1B |
| 65 | The Pecos County State Bank Fort Stockton, TX | 0.94% | $310.1M $100M to $1B |
| 66 | First Texas Bank Georgetown, TX | 0.91% | $1.35B $1B to $10B |
| 67 | First State Bank Clute, TX | 0.89% | $500.6M $100M to $1B |
| 68 | First Community Bank Corpus Christi, TX | 0.89% | $666.4M $100M to $1B |
| 69 | Community Bank & Trust, Waco, Texas Waco, TX | 0.87% | $652.0M $100M to $1B |
| 70 | Agility Bank, N.A. Houston, TX | 0.80% | $161.7M $100M to $1B |
| 71 | Texas Capital Bank Dallas, TX | 0.80% | $31.99B $10B to $100B |
| 72 | Third Coast Bank Humble, TX | 0.76% | $6.80B $1B to $10B |
| 73 | The Liberty National Bank in Paris Paris, TX | 0.76% | $457.8M $100M to $1B |
| 74 | Texas Champion Bank Corpus Christi, TX | 0.75% | $445.2M $100M to $1B |
| 75 | First Commercial Bank, N.A. Seguin, TX | 0.72% | $558.2M $100M to $1B |
| 76 | Southwest Bank Odessa, TX | 0.71% | $796.2M $100M to $1B |
| 77 | Texas Security Bank Dallas, TX | 0.69% | $1.44B $1B to $10B |
| 78 | VeraBank, N.A. Henderson, TX | 0.68% | $4.86B $1B to $10B |
| 79 | Citizens 1st Bank Tyler, TX | 0.68% | $805.4M $100M to $1B |
| 80 | Legend Bank, N. A. Bowie, TX | 0.66% | $1.32B $1B to $10B |
| 81 | Sunflower Bank, N.A. Dallas, TX | 0.62% | $15.22B $10B to $100B |
| 82 | First Bank Burkburnett, TX | 0.62% | $731.7M $100M to $1B |
| 83 | City Bank Lubbock, TX | 0.59% | $5.41B $1B to $10B |
| 84 | International Bank of Commerce Brownsville, TX | 0.56% | $4.57B $1B to $10B |
| 85 | West Texas State Bank Snyder, TX | 0.54% | $478.1M $100M to $1B |
| 86 | Unity National Bank of Houston Houston, TX | 0.54% | $228.9M $100M to $1B |
| 87 | West Texas National Bank Midland, TX | 0.51% | $2.91B $1B to $10B |
| 88 | The First National Bank of Anderson Anderson, TX | 0.51% | $238.5M $100M to $1B |
| 89 | Lone Star Bank Houston, TX | 0.48% | $204.6M $100M to $1B |
| 90 | First State Bank of Livingston Livingston, TX | 0.47% | $665.0M $100M to $1B |
| 91 | PlainsCapital Bank University Park, TX | 0.44% | $12.87B $10B to $100B |
| 92 | Texas First Bank Texas City, TX | 0.43% | $2.31B $1B to $10B |
| 93 | American First National Bank Houston, TX | 0.43% | $2.96B $1B to $10B |
| 94 | Austin Bank, Texas N.A. Jacksonville, TX | 0.40% | $3.42B $1B to $10B |
| 95 | Southside Bank Tyler, TX | 0.39% | $8.86B $1B to $10B |
| 96 | Freedom Bank Alamo, TX | 0.39% | $297.9M $100M to $1B |
| 97 | The Jacksboro National Bank Jacksboro, TX | 0.38% | $285.3M $100M to $1B |
| 98 | Bank of Texas Midland, TX | 0.37% | $573.9M $100M to $1B |
| 99 | First Federal Community Bank, SSB Paris, TX | 0.34% | $601.6M $100M to $1B |
| 100 | Spring Hill State Bank Longview, TX | 0.34% | $238.5M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 242 banks headquartered in Texas that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Texas has the highest commercial real estate noncurrent rate?
Monet Bank has the highest commercial real estate noncurrent rate of the 242 ranked banks headquartered in Texas, at 48.60% as of September 30, 2026, according to its FFIEC call report. Transpecos Banks, SSB ranks second at 26.08%. The median is 0.05%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Texas rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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