IA lenders / Community Bank
Citizens Savings Bank
Community Bank · Spillville, IA
- Total assets
- $147.5M
- CRE loan book
- $1.9M
- QoQ CRE growth
- 1.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.96% as of Q1 2026 — TX bank median 4.87% (1.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.96% | 6.38% |
| Q4 2025 | 5.93% | 6.38% |
| Q3 2025 | 5.88% | 6.43% |
| Q2 2025 | 5.61% | 6.21% |
| Q1 2025 | 5.37% | 6.05% |
| Q4 2024 | 5.46% | 6.12% |
| Q3 2024 | 5.25% | 6.00% |
| Q2 2024 | 5.13% | 5.81% |
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 | $1.9M | $459,000 | $0 | 5% | $0 |
| Q4 2025 | $1.9M | $419,000 | $0 | 5% | $0 |
| Q3 2025 | $1.6M | $214,000 | $0 | 5% | $0 |
| Q2 2025 | $1.5M | $178,000 | $0 | 4% | $0 |
| Q1 2025 | $1.6M | $257,000 | $0 | 5% | $0 |
| Q4 2024 | $1.4M | $179,000 | $0 | 2% | $0 |
| Q3 2024 | $1.4M | $209,000 | $0 | 4% | $0 |
| Q2 2024 | $1.7M | $152,000 | $0 | 4% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Security State Bank of OkleeCommunity Bank · Oklee · $1.9M CRE book
- 1st Community BankCommunity Bank · Sherrard · $2.0M CRE book
- Nebraska State BankCommunity Bank · Bristow · $1.9M CRE book
- Crowell State BankCommunity Bank · Crowell · $2.0M CRE book
- The First Bank of OkarcheCommunity Bank · Okarche · $1.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.