IL lenders / Community Bank
Farmers State Bank of Emden
Community Bank · Emden, IL
- Total assets
- $38.3M
- CRE loan book
- $1.8M
- QoQ CRE growth
- 6.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 4.87% (1.16pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.72% |
| Q4 2025 | 6.06% | 6.72% |
| Q3 2025 | 6.10% | 6.93% |
| Q2 2025 | 6.18% | 6.90% |
| Q1 2025 | 5.77% | 6.52% |
| Q4 2024 | 5.59% | 6.58% |
| Q3 2024 | 5.49% | 6.50% |
| Q2 2024 | 5.26% | 6.26% |
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 | $1.8M | $0 | $0 | 16% | $0 |
| Q4 2025 | $1.7M | $0 | $0 | 15% | $0 |
| Q3 2025 | $2.0M | $0 | $0 | 18% | $0 |
| Q2 2025 | $2.0M | $0 | $0 | 18% | $0 |
| Q1 2025 | $1.8M | $0 | $0 | 17% | $0 |
| Q4 2024 | $1.9M | $0 | $0 | 18% | $0 |
| Q3 2024 | $2.0M | $0 | $0 | 18% | $0 |
| Q2 2024 | $1.8M | $0 | $0 | 17% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First Bank of OkarcheCommunity Bank · Okarche · $1.8M CRE book
- The Hopeton State BankCommunity Bank · Hopeton · $1.7M CRE book
- Nebraska State BankCommunity Bank · Bristow · $1.9M CRE book
- Security State Bank of OkleeCommunity Bank · Oklee · $1.9M CRE book
- Citizens Savings BankCommunity Bank · Spillville · $1.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.