GA lenders / Community Bank
Farmers State Bank
Community Bank · Lincolnton, GA · Lincoln Bancshares Inc
- Total assets
- $188.6M
- CRE loan book
- $25.2M
- QoQ CRE growth
- -6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.18% as of Q1 2026 — TX bank median 4.87% (3.31pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.18% | 8.69% |
| Q4 2025 | 8.44% | 8.96% |
| Q3 2025 | 8.19% | 8.65% |
| Q2 2025 | 8.05% | 8.69% |
| Q1 2025 | 8.06% | 8.60% |
| Q4 2024 | 8.18% | 8.71% |
| Q3 2024 | 8.35% | 8.75% |
| Q2 2024 | 7.87% | 8.28% |
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 | $25.2M | $4.3M | $0 | 31% | $0 |
| Q4 2025 | $26.8M | $6.0M | $0 | 38% | $0 |
| Q3 2025 | $26.1M | $5.1M | $0 | 35% | $0 |
| Q2 2025 | $26.9M | $5.5M | $0 | 54% | $0 |
| Q1 2025 | $27.2M | $4.6M | $0 | 52% | $0 |
| Q4 2024 | $25.9M | $3.2M | $0 | 48% | $0 |
| Q3 2024 | $27.7M | $4.4M | $0 | 49% | $0 |
| Q2 2024 | $26.8M | $3.9M | $0 | 43% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State Bank of BementCommunity Bank · Bement · $25.0M CRE book
- Northern Interstate Bank, N. A.Community Bank · Norway · $25.5M CRE book
- United State BankCommunity Bank · Lewistown · $24.9M CRE book
- Savannah Bank National AssociationCommunity Bank · Savannah · $25.7M CRE book
- The Twin Valley BankCommunity Bank · West Alexandria · $24.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.