IL lenders / Community Bank
Bank & Trust Company
Community Bank · Litchfield, IL · Lbt Bancshares Inc
- Total assets
- $644.6M
- CRE loan book
- $137.3M
- QoQ CRE growth
- -0.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.97% as of Q1 2026 — TX bank median 4.87% (1.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.97% | 6.34% |
| Q4 2025 | 6.36% | 6.43% |
| Q3 2025 | 6.10% | 6.55% |
| Q2 2025 | 5.84% | 6.38% |
| Q1 2025 | 5.91% | 6.24% |
| Q4 2024 | 5.74% | 6.24% |
| Q3 2024 | 5.99% | 6.29% |
| Q2 2024 | 6.64% | 6.42% |
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 | $137.3M | $3.4M | $13.1M | 127% | $444,000 |
| Q4 2025 | $137.7M | $4.2M | $13.2M | 132% | $450,000 |
| Q3 2025 | $137.2M | $4.4M | $13.4M | 136% | $345,000 |
| Q2 2025 | $130.0M | $4.3M | $15.7M | 131% | $304,000 |
| Q1 2025 | $130.7M | $5.1M | $16.7M | 132% | $359,000 |
| Q4 2024 | $131.4M | $5.2M | $16.8M | 134% | $470,000 |
| Q3 2024 | $129.3M | $4.8M | $13.6M | 129% | $159,000 |
| Q2 2024 | $126.5M | $4.8M | $13.3M | 126% | $156,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Woodford State BankCommunity Bank · Monroe · $136.5M CRE book
- First BankCommunity Bank · Ketchikan · $136.5M CRE book
- Thumb Bank and TrustCommunity Bank · Pigeon · $138.3M CRE book
- Verus Bank of CommerceCommunity Bank · Fort Collins · $138.5M CRE book
- The Peoples Bank Co.Community Bank · Coldwater · $135.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.