Frost Bank Lends Against Kuykendahl Retail Reserve in Montgomery
Frost Bank financing lands on a small retail reserve inside the Regency Woodlands tract on Kuykendahl Road.
PBC Real Estate LLC, a small Woodlands-based entity, has put up a 1.81-acre retail reserve on Kuykendahl Road as collateral for financing from Frost Bank, according to a deed of trust recorded with the Montgomery County Clerk.
Why it matters
The filing is a reminder that financing activity in the Houston area’s north side is not limited to large institutional borrowers. PBC Real Estate LLC is a small, locally registered entity, and Texas Comptroller records tie it directly to two named individuals rather than a larger corporate parent. For Montgomery County, where retail reserves inside master-planned tracts like Regency Woodlands continue to change hands and get refinanced, the deal is a data point on how a single-parcel owner secures capital against a commercial retail reserve, though the filing itself does not show what stands on the reserve.
The numbers
The deed of trust, instrument 2026109480, was recorded Oct. 14, 2026 and carries a promissory note dated the same day reading $2,493,677 in original principal, an amount this desk read from the document’s scanned text and has not confirmed against an index price field. Frost Bank is the lender. The collateral is Reserve A inside the Regency Woodlands Kuykendahl Retail subdivision, a 1.81-acre parcel in Montgomery County, plus an adjoining portion of the same reserve named separately in the filing. Comptroller records show PBC Real Estate LLC remains in active, good standing with the state, registered since July 2019 out of a Woodlands Parkway address, with Brian Keith Clemons and Patricia Ann Clemons listed as its director and member.
What’s next
A deed of trust secures a loan but does not itself disclose whether the proceeds refinance existing debt or fund new work on the site. The next public record to watch is any Montgomery County permit tied to the Kuykendahl Road address, which would show whether the financing accompanies a tenant change or buildout rather than a straight refinance.
On the record
Primary record
- Public recordThe deed of trust carries a promissory note dated Oct. 14, 2026 in the original principal amount of $2,493,677 from PBC Real Estate LLC to Frost Bank, secured by a 1.81-acre reserve inside the Regency Woodlands Kuykendahl Retail tractView the record on montgomery.tx.publicsearch.us
- Public recordTexas Comptroller franchise tax records list Brian Keith Clemons and Patricia Ann Clemons as director and member behind PBC Real Estate LLC, both based in The WoodlandsView the record on comptroller.texas.gov