IA lenders / Community Bank
Farmers and Merchants Savings Bank
Community Bank · Iowa City, IA · Country Bcorp
- Total assets
- $123.9M
- CRE loan book
- $23.3M
- QoQ CRE growth
- 4.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.47% as of Q1 2026 — TX bank median 4.87% (0.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.47% | 5.64% |
| Q4 2025 | 5.45% | 5.65% |
| Q3 2025 | 5.43% | 5.66% |
| Q2 2025 | 5.37% | 5.52% |
| Q1 2025 | 5.25% | 5.40% |
| Q4 2024 | 5.25% | 5.45% |
| Q3 2024 | 5.10% | 5.36% |
| Q2 2024 | 4.93% | 5.18% |
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 | $23.3M | $2.7M | $4.2M | 117% | $0 |
| Q4 2025 | $22.3M | $2.5M | $3.2M | 110% | $0 |
| Q3 2025 | $21.1M | $2.0M | $2.7M | 104% | $0 |
| Q2 2025 | $23.7M | $2.2M | $2.7M | 114% | $0 |
| Q1 2025 | $24.2M | $2.2M | $2.7M | 118% | $0 |
| Q4 2024 | $25.5M | $3.1M | $2.7M | 123% | $0 |
| Q3 2024 | $27.9M | $5.3M | $2.7M | 139% | $0 |
| Q2 2024 | $28.0M | $4.7M | $2.8M | 137% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Peoples Savings BankCommunity Bank · Wellsburg · $23.3M CRE book
- First State Bank and Trust CompanyCommunity Bank · Carthage · $23.2M CRE book
- Security State BankCommunity Bank · Farwell · $23.2M CRE book
- The Iuka State BankCommunity Bank · Salem · $23.2M CRE book
- The First National Bank in TrinidadCommunity Bank · Trinidad · $23.4M CRE book
See all alternatives to Farmers and Merchants Savings Bank →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.