IA lenders / Community Bank
Heartland Bank
Community Bank · Somers, IA · Somers Bcorp
- Total assets
- $264.8M
- CRE loan book
- $50.8M
- QoQ CRE growth
- 3.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.89% as of Q1 2026 — TX bank median 4.87% (2.02pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.89% | 7.32% |
| Q4 2025 | 6.60% | 7.22% |
| Q3 2025 | 6.98% | 7.66% |
| Q2 2025 | 6.68% | 7.51% |
| Q1 2025 | 6.55% | 7.12% |
| Q4 2024 | 6.87% | 7.46% |
| Q3 2024 | 6.48% | 7.49% |
| Q2 2024 | 6.37% | 7.42% |
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 | $50.8M | $1.2M | $6.9M | 75% | $0 |
| Q4 2025 | $48.9M | $1.1M | $8.5M | 92% | $37,000 |
| Q3 2025 | $49.8M | $760,000 | $10.7M | 101% | $39,000 |
| Q2 2025 | $46.0M | $504,000 | $11.3M | 94% | $0 |
| Q1 2025 | $44.2M | $82,000 | $11.5M | 88% | $138,000 |
| Q4 2024 | $42.1M | $177,000 | $11.1M | 80% | $0 |
| Q3 2024 | $35.0M | $39,000 | $10.3M | 69% | $0 |
| Q2 2024 | $33.9M | $2,000 | $10.4M | 67% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Waterman BankCommunity Bank · Waterman · $50.8M CRE book
- Harvest BankCommunity Bank · Kimball · $50.7M CRE book
- FBT Bank & MortgageCommunity Bank · Fordyce · $50.9M CRE book
- Iowa State Bank and Trust Company of Fairfield, IowaCommunity Bank · Fairfield · $50.5M CRE book
- Bank of ClarksonCommunity Bank · Clarkson · $51.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.