IA lenders / Community Bank
Farmers & Merchants Bank & Trust
Community Bank · Burlington, IA · Farmers&Merchants Bancshares
- Total assets
- $210.7M
- CRE loan book
- $24.5M
- QoQ CRE growth
- -0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.15% as of Q1 2026 — TX bank median 4.87% (0.28pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.15% | 5.53% |
| Q4 2025 | 5.30% | 5.63% |
| Q3 2025 | 5.18% | 5.59% |
| Q2 2025 | 5.16% | 5.41% |
| Q1 2025 | 4.97% | 5.29% |
| Q4 2024 | 5.09% | 5.46% |
| Q3 2024 | 4.87% | 5.30% |
| Q2 2024 | 4.77% | 5.18% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $24.5M | $619,000 | $6.6M | 99% | $0 |
| Q4 2025 | $24.5M | $664,000 | $6.2M | 101% | $5,000 |
| Q3 2025 | $24.5M | $636,000 | $6.3M | 102% | $0 |
| Q2 2025 | $22.5M | $518,000 | $6.2M | 95% | $0 |
| Q1 2025 | $22.9M | $795,000 | $5.7M | 96% | $0 |
| Q4 2024 | $22.9M | $823,000 | $5.2M | 98% | $0 |
| Q3 2024 | $20.7M | $743,000 | $2.0M | 81% | $0 |
| Q2 2024 | $21.6M | $1.4M | $2.0M | 83% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Oakwood BankCommunity Bank · Pigeon Falls · $24.5M CRE book
- Merchants State BankCommunity Bank · Freeman · $24.5M CRE book
- Bonduel State BankCommunity Bank · Bonduel · $24.4M CRE book
- The Exchange BankCommunity Bank · Skiatook · $24.6M CRE book
- The State Exchange BankCommunity Bank · Lamont · $24.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.