IA lenders / Community Bank
Citizens State Bank
Community Bank · Wyoming, IA · C S B Holding Corp
- Total assets
- $136.8M
- CRE loan book
- $3.1M
- QoQ CRE growth
- -5.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.14% as of Q1 2026 — TX bank median 4.87% (1.28pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.14% | 6.92% |
| Q4 2025 | 7.41% | 7.01% |
| Q3 2025 | 6.01% | 7.23% |
| Q2 2025 | 6.19% | 7.11% |
| Q1 2025 | 5.86% | 6.90% |
| Q4 2024 | 6.11% | 6.91% |
| Q3 2024 | 5.96% | 6.99% |
| Q2 2024 | 5.67% | 6.86% |
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 | $3.1M | $938,000 | $0 | 8% | $0 |
| Q4 2025 | $3.3M | $987,000 | $0 | 9% | $0 |
| Q3 2025 | $3.0M | $969,000 | $0 | 8% | $0 |
| Q2 2025 | $3.5M | $1.4M | $0 | 10% | $0 |
| Q1 2025 | $4.6M | $2.4M | $0 | 14% | $0 |
| Q4 2024 | $4.7M | $2.5M | $0 | 15% | $0 |
| Q3 2024 | $4.9M | $2.7M | $16,000 | 15% | $0 |
| Q2 2024 | $4.9M | $2.7M | $17,000 | 15% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Buckley State BankCommunity Bank · Buckley · $3.2M CRE book
- The Security State BankCommunity Bank · Wellington · $3.1M CRE book
- The First National Bank at St. JamesCommunity Bank · Saint James · $3.2M CRE book
- Farmers Bank & TrustCommunity Bank · Atwood · $3.2M CRE book
- The First State Bank of ShelbyCommunity Bank · Shelby · $3.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.