IA lenders / Community Bank
United Bank and Trust Company
Community Bank · Hampton, IA · J E Coonley Co
- Total assets
- $227.6M
- CRE loan book
- $10.3M
- QoQ CRE growth
- 0.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.75% as of Q1 2026 — TX bank median 4.87% (0.88pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.75% | 6.50% |
| Q4 2025 | 5.78% | 6.70% |
| Q3 2025 | 5.56% | 6.62% |
| Q2 2025 | 5.41% | 6.40% |
| Q1 2025 | 5.05% | 6.11% |
| Q4 2024 | 5.21% | 6.32% |
| Q3 2024 | 5.07% | 6.29% |
| Q2 2024 | 4.98% | 6.15% |
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 | $0 | $85,000 | 29% | $0 |
| Q4 2025 | $10.2M | $0 | $103,000 | 29% | $0 |
| Q3 2025 | $10.3M | $0 | $113,000 | 30% | $0 |
| Q2 2025 | $10.5M | $0 | $123,000 | 30% | $0 |
| Q1 2025 | $10.0M | $0 | $133,000 | 29% | $0 |
| Q4 2024 | $9.2M | $0 | $151,000 | 27% | $0 |
| Q3 2024 | $8.9M | $19,000 | $161,000 | 27% | $0 |
| Q2 2024 | $8.9M | $19,000 | $171,000 | 27% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The State BankCommunity Bank · Spirit Lake · $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.