IA lenders / Community Bank
Farmers Trust and Savings Bank
Community Bank · Buffalo Center, IA · Koss-Winn Bancshares Employee Stk Ownership Plan With 401 K Provisions
- Total assets
- $360.9M
- CRE loan book
- $20.7M
- QoQ CRE growth
- 0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 4.96% as of Q1 2026 — TX bank median 4.87% (0.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 4.96% | 5.66% |
| Q4 2025 | 5.06% | 5.69% |
| Q3 2025 | 5.00% | 6.07% |
| Q2 2025 | 4.83% | 5.77% |
| Q1 2025 | 4.65% | 5.44% |
| Q4 2024 | 4.64% | 5.51% |
| Q3 2024 | 4.54% | 5.67% |
| Q2 2024 | 4.44% | 5.60% |
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 | $20.7M | $1.8M | $723,000 | 37% | $0 |
| Q4 2025 | $20.6M | $1.6M | $754,000 | 33% | $0 |
| Q3 2025 | $19.1M | $939,000 | $771,000 | 30% | $0 |
| Q2 2025 | $19.9M | $138,000 | $539,000 | 28% | $0 |
| Q1 2025 | $19.0M | $345,000 | $885,000 | 26% | $0 |
| Q4 2024 | $16.9M | $271,000 | $685,000 | 24% | $0 |
| Q3 2024 | $16.9M | $271,000 | $692,000 | 24% | $0 |
| Q2 2024 | $16.6M | $365,000 | $586,000 | 24% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- ACB BankCommunity Bank · Cherokee · $20.7M CRE book
- Security State BankCommunity Bank · Cheyenne · $20.7M CRE book
- Savings BankCommunity Bank · Primghar · $20.6M CRE book
- The First National Bank of MontereyCommunity Bank · Monterey · $20.8M CRE book
- Community Bank and TrustCommunity Bank · Neosho · $20.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.