IL lenders / Community Bank
Citizens State Bank
Community Bank · Lena, IL · First Lena Corp
- Total assets
- $449.2M
- CRE loan book
- $35.2M
- QoQ CRE growth
- -1.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.45% as of Q1 2026 — TX bank median 4.87% (2.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.45% | 6.37% |
| Q4 2025 | 7.10% | 6.13% |
| Q3 2025 | 7.32% | 6.44% |
| Q2 2025 | 7.31% | 6.63% |
| Q1 2025 | 6.76% | 6.28% |
| Q4 2024 | 6.74% | 6.28% |
| Q3 2024 | 6.71% | 6.32% |
| Q2 2024 | 6.39% | 6.19% |
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 | $35.2M | $3.3M | $5.5M | 74% | $0 |
| Q4 2025 | $35.9M | $3.0M | $5.6M | 43% | $0 |
| Q3 2025 | $35.0M | $3.0M | $5.7M | 44% | $0 |
| Q2 2025 | $35.5M | $2.8M | $5.7M | 46% | $0 |
| Q1 2025 | $40.9M | $3.2M | $9.1M | 57% | $0 |
| Q4 2024 | $40.0M | $3.2M | $8.5M | 55% | $36,000 |
| Q3 2024 | $39.7M | $3.5M | $8.0M | 55% | $42,000 |
| Q2 2024 | $40.4M | $4.3M | $7.6M | 57% | $43,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Clay City Banking Co.Community Bank · Clay City · $35.0M CRE book
- Marblehead BankCommunity Bank · Marblehead · $35.0M CRE book
- Union State Bank of HazenCommunity Bank · Hazen · $35.4M CRE book
- Security First National Bank of HugoCommunity Bank · Hugo · $35.5M CRE book
- Flatwater BankCommunity Bank · Gothenburg · $34.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.