IL lenders / Community Bank
Farmers State Bank & Trust Co.
Community Bank · Mount Sterling, IL · Mount Sterling Bcorp Inc
- Total assets
- $131.0M
- CRE loan book
- $19.0M
- QoQ CRE growth
- -2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.88% as of Q1 2026 — TX bank median 4.87% (1.02pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.88% | 6.22% |
| Q4 2025 | 6.06% | 6.42% |
| Q3 2025 | 5.92% | 6.33% |
| Q2 2025 | 5.89% | 6.27% |
| Q1 2025 | 5.62% | 6.09% |
| Q4 2024 | 5.70% | 6.12% |
| Q3 2024 | 5.58% | 6.04% |
| Q2 2024 | 5.43% | 5.99% |
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 | $19.0M | $1.2M | $3.9M | 91% | $520,000 |
| Q4 2025 | $19.4M | $781,000 | $3.9M | 95% | $0 |
| Q3 2025 | $17.8M | $380,000 | $2.6M | 82% | $0 |
| Q2 2025 | $18.5M | $905,000 | $2.6M | 90% | $0 |
| Q1 2025 | $18.7M | $2.0M | $2.6M | 98% | $0 |
| Q4 2024 | $19.6M | $1.7M | $2.6M | 105% | $0 |
| Q3 2024 | $18.7M | $1.5M | $1.9M | 99% | $0 |
| Q2 2024 | $18.1M | $809,000 | $1.8M | 94% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Small Business BankCommunity Bank · Lenexa · $19.0M CRE book
- County BankCommunity Bank · Brunswick · $19.0M CRE book
- The First National Bank of McConnelsvilleCommunity Bank · Mcconnelsville · $19.2M CRE book
- Bank of Cave CityCommunity Bank · Cave City · $19.2M CRE book
- Du Quoin State BankCommunity Bank · Du Quoin · $19.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.