Blog

We believe that staying informed about local and regional economic trends is essential—for our clients, our communities, and the way we do business. Our Quarterly Report offers a snapshot of the economic pulse across Central Texas and beyond. Here's what we're seeing and what it might mean for businesses and families in our region.

A Slower Pace, but Still Moving Forward

Economic activity across the Eleventh District, which includes Texas, has cooled to a slower pace. While manufacturing output has modestly rebounded, other sectors such as retail and nonfinancial services showed signs of softening. Employment and wages are still growing, but many companies are hesitant to make hiring moves amid ongoing uncertainty in trade and federal policy.

Notably, commercial real estate has held steady, and the oilfield sector saw a modest uptick in activity—offering bright spots in an otherwise cautious landscape.

Housing Market: A More Thoughtful Market

In Central Texas, the housing market is experiencing a shift. Residential sales declined nearly 10% from this time last year, and median home prices dipped slightly to $429,869. With housing inventory up nearly 19%, buyers are taking their time and becoming more strategic in their decisions. Sellers are being encouraged to adjust expectations.

Community Challenges and Resilience

Outside the business sector, our communities continue to face challenges. Nonprofit organizations are feeling the impact of federal funding cuts, which in some cases have led to program reductions or shutdowns. Housing insecurity is also a growing concern, especially for renters relying on federal assistance.

Yet, in true Central Texas spirit, local efforts continue to meet these challenges with resilience. Social service providers, educators, and community leaders are adapting and finding new ways to support those in need.

Looking Ahead: Staying Connected

From new solar manufacturing projects in Milam County to expansive mixed-use developments in Georgetown and Cedar Park, Central Texas continues to attract investment and grow. These developments are not only exciting—they’re a testament to the long-term strength of our region.

At CNB, we remain committed to serving as a financial partner you can count on, through every cycle. Whether you're a small business owner navigating rising costs, a family searching for the right home, or a nonprofit leader working to make a difference, our team is here to support you.

Let’s move forward—together.

For further details or to discuss how these economic trends might impact your financial strategy, contact one of our knowledgeable lenders today.

For more details, check out the full report here.