IA lenders / Community Bank
Farmers Trust and Savings Bank
Community Bank · Spencer, IA · Easter Enterprises Inc
- Total assets
- $638.3M
- CRE loan book
- $272.7M
- QoQ CRE growth
- 0.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.23% as of Q1 2026 — TX bank median 4.87% (0.37pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.23% | 5.67% |
| Q4 2025 | 5.38% | 5.82% |
| Q3 2025 | 5.32% | 5.80% |
| Q2 2025 | 5.17% | 5.82% |
| Q1 2025 | 5.19% | 5.65% |
| Q4 2024 | 5.26% | 5.76% |
| Q3 2024 | 5.31% | 5.79% |
| Q2 2024 | 5.24% | 5.74% |
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 | $272.7M | $83.1M | $95.0M | 373% | $2.3M |
| Q4 2025 | $271.2M | $87.9M | $83.7M | 379% | $3.3M |
| Q3 2025 | $280.2M | $90.8M | $86.3M | 403% | $3.8M |
| Q2 2025 | $286.4M | $95.2M | $87.9M | 417% | $1.8M |
| Q1 2025 | $297.8M | $97.1M | $92.5M | 446% | $984,000 |
| Q4 2024 | $304.7M | $107.3M | $84.1M | 450% | $984,000 |
| Q3 2024 | $305.0M | $102.5M | $82.3M | 458% | $851,000 |
| Q2 2024 | $308.1M | $109.3M | $82.3M | 467% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- American Heritage National BankCommunity Bank · Long Prairie · $273.0M CRE book
- Industrial BankCommunity Bank · Washington · $273.5M CRE book
- Peach State Bank & TrustCommunity Bank · Gainesville · $274.5M CRE book
- Home State Bank, National AssociationCommunity Bank · Crystal Lake · $268.8M CRE book
- Ixonia BankCommunity Bank · Ixonia · $268.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.