Funding type
This project is privately funded, on private land for private use.
PNC Bank - Ground Up
850 FM 1103, Cibolo, TX, 77027
PNC Bank - Ground Up is a new construction project at 850 FM 1103, Cibolo, in Guadalupe County, TX, tracked from its Texas Department of Licensing and Regulation (TDLR) registration. Under construction, estimated completion Aug 2027. The project has an estimated value of $20.0M across about 3,000 sq ft.
- Estimated project value
- $20.0M
About this figure
Estimated construction cost supplied in the TDLR filing. This is not a current property appraisal or a final construction invoice.
- Reported floor area
- 3,000 ft²
About this figure
Square footage reported for this scope of work. It may cover only part of a larger property.
- Estimated cost / ft²
- $6.67K/sqft
About this figure
Calculated from this filing’s estimated cost divided by its reported square footage. Available only when both figures are supplied; it is not a market benchmark.
- Scheduled duration
- 9 months
About this figure
The interval between the filed start and completion dates. These dates describe the proposed schedule and do not measure actual construction progress.
The project record
Project timeline
Explore filed milestones and scheduled dates. Open a milestone for its source.
4 timeline dates shown.
Project registered · TDLR filing
Registration of the project with the Texas Department of Licensing and Regulation.
Source: TDLR filing
View source recordReview complete · TDLR filing
The filing records completion of the accessibility review.
43 days after the preceding date shown.
Source: TDLR filing
View source recordScheduled construction start · Scheduled date
A date supplied in the filing; this does not confirm that work started or finished.
81 days after the preceding date shown.
Source: TDLR filing
View source recordScheduled completion · Scheduled date
A date supplied in the filing; this does not confirm that work started or finished.
267 days after the preceding date shown.
Source: TDLR filing
View source record
📰About PNC Bank - Ground Up
PNC Bank Cibolo is a new 3,000-square-foot ground-up construction project located at 850 FM 1103 in Cibolo, Texas. The filing identifies the scope as a new bank facility with drive-thru lanes, including all new mechanical, electrical, plumbing, and architectural systems. The registered owner is PNC Bank, and the estimated cost for this specific build is $20,000,000.
The project, listed in TDLR records as PNC Bank - Ground Up Cibolo, is in the Review Complete status. TDLR finished the plan review process in August 2026. Construction is scheduled to start in November 2026 and is scheduled to finish in August 2027. This timeline represents a 267-day build window, which is close to the 240-day median for new construction projects in Guadalupe County.
Cost and Scale Analysis
The estimated cost of $20,000,000 places PNC Bank Cibolo in the top quarter of new construction filings in the county. This figure is significantly above the county median estimated cost of $850,000 for similar projects. When calculated by size, the project costs $6,667 per square foot, which is well above the county median of $123 per square foot. This high cost per square foot reflects the specialized nature of banking infrastructure, including security and utility systems.
PNC Bank has four other projects registered with TDLR in the region, totaling $387,300. These include locations in Irving, Hurst, Richardson, and Leander. The Cibolo project is distinct from these other filings due to its substantially larger scale and higher estimated cost. The project is privately funded on private land for private use.
The surrounding area, identified by ZIP code 77027, has a population of about 19,269 according to U.S. Census estimates. The median household income in this area is $102,861, and housing is predominantly renter-occupied. The registered accessibility specialist for the PNC Bank Cibolo project is Oswaldo Cajas. This construction activity is part of a broader trend of new commercial development in Guadalupe County, where unemployment was 4.5 percent in July 2026.
Review Complete
Design review complete, construction may proceed
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PNC Bank - Ground Up is a New Construction project located at 850 FM 1103, Cibolo, TX 77027 in Cibolo, Texas. The project has an estimated value of $20.0M covering 3,000 sq ft. PNC Bank is the property owner. The project was registered with TDLR on July 8, 2026.
Frequently Asked Questions
Is the PNC Bank in Cibolo open?
No, the bank is not open. Construction is scheduled to begin in November 2026 and is scheduled to finish in August 2027. The TDLR record reflects construction status, not business operations.
How much is the PNC Bank Cibolo project costing?
The estimated cost is $20,000,000. This equates to $6,667 per square foot for the 3,000-square-foot building, which is above the county median for new construction.
When will construction start and end?
Construction is scheduled to start in November 2026. The project is scheduled to finish in August 2027, following plan review completion in August 2026.
Who is the accessibility specialist for this project?
Oswaldo Cajas is the registered accessibility specialist for the PNC Bank - Ground Up Cibolo project, as listed in the TDLR filing.
What is PNC Bank - Ground Up?
PNC Bank - Ground Up is a new construction project at 850 FM 1103 in Cibolo, Texas, registered with the Texas Department of Licensing and Regulation (TDLR). Scope of work: Ground up Bank with drive thru lanes. All new mechanical, electrical, plumbing and architecture included.
Is PNC Bank - Ground Up open in Cibolo?
PNC Bank - Ground Up is still under construction in Cibolo, TX, with an estimated completion of Aug 2027 according to its TDLR registration.
Where is PNC Bank - Ground Up located?
PNC Bank - Ground Up is located at 850 FM 1103, Cibolo, TX, 77027, in Guadalupe County.
Who is the owner or developer of PNC Bank - Ground Up?
PNC Bank is the property owner/developer of record for PNC Bank - Ground Up, per its TDLR project registration.
How much does PNC Bank - Ground Up cost and how big is it?
PNC Bank - Ground Up has an estimated construction value of $20.0M and approximately 3,000 square feet (about $6.67K/sqft), based on its TDLR filing.
Scope of Work
Ground up Bank with drive thru lanes. All new mechanical, electrical, plumbing and architecture included.
Note: This project is registered under the Texas Accessibility Standards (TAS) program. TDLR registration is required for commercial and public facility construction to ensure compliance with accessibility requirements under Texas Government Code Chapter 469.
Location & views
850 FM 1103, Cibolo, TX, 77027
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