IL lenders / Community Bank
Clay County State Bank
Community Bank · Louisville, IL · Clay Cnty State Bancshares Inc
- Total assets
- $106.7M
- CRE loan book
- $10.6M
- QoQ CRE growth
- 2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.00% as of Q1 2026 — TX bank median 4.87% (1.14pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.00% | 6.43% |
| Q4 2025 | 6.43% | 6.77% |
| Q3 2025 | 5.94% | 6.43% |
| Q2 2025 | 5.88% | 6.46% |
| Q1 2025 | 5.82% | 6.45% |
| Q4 2024 | 5.82% | 6.38% |
| Q3 2024 | 5.64% | 6.34% |
| Q2 2024 | 5.41% | 6.09% |
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 | $10.6M | $0 | $0 | 73% | $58,000 |
| Q4 2025 | $10.3M | $0 | $0 | 73% | $58,000 |
| Q3 2025 | $9.5M | $0 | $0 | 66% | $58,000 |
| Q2 2025 | $8.9M | $0 | $0 | 63% | $40,000 |
| Q1 2025 | $8.4M | $0 | $0 | 60% | $40,000 |
| Q4 2024 | $8.1M | $0 | $0 | 59% | $41,000 |
| Q3 2024 | $8.2M | $0 | $0 | 59% | $40,000 |
| Q2 2024 | $8.3M | $0 | $0 | 60% | $41,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Heritage BankCommunity Bank · Shenandoah · $10.7M CRE book
- Farmers National BankCommunity Bank · Phillipsburg · $10.4M CRE book
- Community Bank Of OklahomaCommunity Bank · Verden · $10.7M CRE book
- Citizens Bank & TrustCommunity Bank · Rock Port · $10.3M CRE book
- The State BankCommunity Bank · Spirit Lake · $10.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.