IL lenders / Community Bank
Farmers State Bank
Community Bank · Elmwood, IL · Elmwood Bancshares Inc
- Total assets
- $70.1M
- CRE loan book
- $8.0M
- QoQ CRE growth
- -12.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.71% as of Q1 2026 — TX bank median 4.87% (1.85pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.71% | 6.77% |
| Q4 2025 | 6.21% | 6.29% |
| Q3 2025 | 6.39% | 6.57% |
| Q2 2025 | 5.95% | 6.58% |
| Q1 2025 | 6.04% | 6.08% |
| Q4 2024 | 6.29% | 6.41% |
| Q3 2024 | 5.91% | 6.16% |
| Q2 2024 | 5.89% | 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 | $8.0M | $1.3M | $610,000 | 63% | $1.3M |
| Q4 2025 | $9.1M | $1.1M | $615,000 | 83% | $2.7M |
| Q3 2025 | $9.2M | $857,000 | $621,000 | 74% | $1.2M |
| Q2 2025 | $9.3M | $894,000 | $626,000 | 76% | $999,000 |
| Q1 2025 | $9.5M | $909,000 | $631,000 | 77% | $999,000 |
| Q4 2024 | $9.8M | $1.3M | $636,000 | 82% | $999,000 |
| Q3 2024 | $10.6M | $1.1M | $642,000 | 80% | $1.9M |
| Q2 2024 | $9.7M | $839,000 | $647,000 | 73% | $1.1M |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.