AL lenders / Community Bank
Farmers and Merchants Bank
Community Bank · Lafayette, AL · Farmers&Merchants Bancshares
- Total assets
- $305.6M
- CRE loan book
- $46.6M
- QoQ CRE growth
- -0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.19% as of Q1 2026 — TX bank median 4.87% (1.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.19% | 7.31% |
| Q4 2025 | 6.34% | 7.62% |
| Q3 2025 | 6.18% | 7.45% |
| Q2 2025 | 6.49% | 7.60% |
| Q1 2025 | 6.42% | 7.30% |
| Q4 2024 | 6.69% | 7.42% |
| Q3 2024 | 6.64% | 7.47% |
| Q2 2024 | 6.61% | 7.37% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $46.6M | $14.4M | $2.2M | 96% | $332,000 |
| Q4 2025 | $46.9M | $16.1M | $2.2M | 92% | $195,000 |
| Q3 2025 | $47.6M | $18.0M | $2.2M | 69% | $12,000 |
| Q2 2025 | $43.6M | $16.6M | $2.3M | 66% | $13,000 |
| Q1 2025 | $36.0M | $11.7M | $2.3M | 50% | $14,000 |
| Q4 2024 | $33.9M | $10.1M | $2.3M | 46% | $15,000 |
| Q3 2024 | $33.0M | $8.6M | $2.4M | 41% | $16,000 |
| Q2 2024 | $30.0M | $7.7M | $2.4M | 40% | $16,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Alamosa State BankCommunity Bank · Alamosa · $46.6M CRE book
- Peoples Bank & Trust CompanyCommunity Bank · Manchester · $47.0M CRE book
- La Salle State BankCommunity Bank · La Salle · $47.0M CRE book
- Frontier BankCommunity Bank · Lamar · $46.1M CRE book
- Farmers and Merchants BankCommunity Bank · De Leon · $45.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.