IA lenders / Community Bank
Farmers State Bank
Community Bank · Waterloo, IA · Fsb Financial Services Inc
- Total assets
- $1.6B
- CRE loan book
- $608.1M
- QoQ CRE growth
- -3.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.18% as of Q1 2026 — TX bank median 4.87% (0.31pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.18% | 5.50% |
| Q4 2025 | 5.25% | 5.58% |
| Q3 2025 | 5.08% | 5.49% |
| Q2 2025 | 4.94% | 5.33% |
| Q1 2025 | 4.80% | 5.21% |
| Q4 2024 | 4.83% | 5.26% |
| Q3 2024 | 4.76% | 5.20% |
| Q2 2024 | 4.66% | 5.08% |
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 | $608.1M | $90.1M | $194.3M | 256% | $0 |
| Q4 2025 | $632.2M | $91.5M | $200.1M | 271% | $0 |
| Q3 2025 | $616.8M | $79.1M | $196.3M | 268% | $0 |
| Q2 2025 | $625.1M | $74.5M | $209.6M | 277% | $0 |
| Q1 2025 | $628.9M | $72.7M | $211.5M | 282% | $0 |
| Q4 2024 | $640.2M | $75.6M | $217.6M | 291% | $0 |
| Q3 2024 | $632.6M | $98.0M | $207.0M | 294% | $0 |
| Q2 2024 | $622.7M | $98.5M | $192.0M | 290% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Cornerstone Capital Bank, SSBCommunity Bank · Houston · $612.8M CRE book
- BOM BankCommunity Bank · Natchitoches · $602.0M CRE book
- First Citizens BankCommunity Bank · Mason City · $616.5M CRE book
- Isabella BankCommunity Bank · Mount Pleasant · $599.7M CRE book
- Blue Sky BankCommunity Bank · Pawhuska · $618.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.