IA lenders / Community Bank
The State Bank
Community Bank · Spirit Lake, IA · State Banco Ltd
- Total assets
- $91.4M
- CRE loan book
- $10.3M
- QoQ CRE growth
- 4.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.58% as of Q1 2026 — TX bank median 4.87% (0.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.58% | 5.86% |
| Q4 2025 | 5.58% | 5.98% |
| Q3 2025 | 5.57% | 6.06% |
| Q2 2025 | 5.30% | 5.91% |
| Q1 2025 | 5.13% | 5.60% |
| Q4 2024 | 5.32% | 5.77% |
| Q3 2024 | 6.30% | 6.48% |
| Q2 2024 | 5.66% | 7.05% |
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 | $10.3M | $3.3M | $0 | 47% | $0 |
| Q4 2025 | $9.9M | $2.4M | $0 | 40% | $0 |
| Q3 2025 | $9.0M | $1.6M | $0 | 33% | $0 |
| Q2 2025 | $10.2M | $1.3M | $739,000 | 48% | $0 |
| Q1 2025 | $10.0M | $1.1M | $741,000 | 47% | $0 |
| Q4 2024 | $11.8M | $1.5M | $1.5M | 59% | $0 |
| Q3 2024 | $13.6M | $3.7M | $730,000 | 68% | $0 |
| Q2 2024 | $14.4M | $4.4M | $730,000 | 73% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- United Bank and Trust CompanyCommunity Bank · Hampton · $10.3M CRE book
- Citizens Bank & TrustCommunity Bank · Rock Port · $10.3M CRE book
- The First National Bank in CimarronCommunity Bank · Cimarron · $10.3M CRE book
- Farmers National BankCommunity Bank · Phillipsburg · $10.4M CRE book
- Perennial BankCommunity Bank · Darwin · $10.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.