IA lenders / Community Bank
Central State Bank
Community Bank · State Center, IA · State Center Financial Inc
- Total assets
- $562.2M
- CRE loan book
- $262.2M
- QoQ CRE growth
- -0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.21% as of Q1 2026 — TX bank median 4.87% (0.34pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.21% | 5.80% |
| Q4 2025 | 5.22% | 5.87% |
| Q3 2025 | 5.33% | 5.82% |
| Q2 2025 | 5.18% | 5.72% |
| Q1 2025 | 4.94% | 5.57% |
| Q4 2024 | 5.02% | 5.83% |
| Q3 2024 | 5.02% | 5.80% |
| Q2 2024 | 4.74% | 5.47% |
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 | $262.2M | $27.8M | $29.8M | 388% | $3.4M |
| Q4 2025 | $263.4M | $34.1M | $27.0M | 393% | $434,000 |
| Q3 2025 | $251.0M | $32.1M | $33.0M | 377% | $439,000 |
| Q2 2025 | $246.9M | $29.9M | $33.4M | 362% | $439,000 |
| Q1 2025 | $254.1M | $38.5M | $34.7M | 389% | $439,000 |
| Q4 2024 | $254.1M | $36.3M | $34.9M | 392% | $0 |
| Q3 2024 | $255.5M | $35.5M | $35.0M | 402% | $0 |
| Q2 2024 | $247.9M | $36.2M | $34.1M | 389% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First National Bank of JeaneretteCommunity Bank · Jeanerette · $261.3M CRE book
- FNBC BankCommunity Bank · Ash Flat · $260.6M CRE book
- Evolve Bank & TrustCommunity Bank · West Memphis · $263.9M CRE book
- Cattlemens BankCommunity Bank · Altus · $265.5M CRE book
- Riverstone BankCommunity Bank · Eagle · $265.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.