IL lenders / Community Bank
First State Bank of Olmsted
Community Bank · Olmsted, IL · Fsbo Holdings Inc
- Total assets
- $77.5M
- CRE loan book
- $7.6M
- QoQ CRE growth
- -2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.95% as of Q1 2026 — TX bank median 4.87% (1.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.95% | 6.32% |
| Q4 2025 | 6.06% | 6.50% |
| Q3 2025 | 6.10% | 6.52% |
| Q2 2025 | 5.96% | 6.53% |
| Q1 2025 | 5.41% | 6.12% |
| Q4 2024 | 5.38% | 6.14% |
| Q3 2024 | 5.25% | 6.06% |
| Q2 2024 | 5.10% | 5.93% |
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 | $7.6M | $1.4M | $0 | 74% | $0 |
| Q4 2025 | $7.8M | $1.3M | $0 | 78% | $0 |
| Q3 2025 | $8.1M | $1.1M | $0 | 81% | $0 |
| Q2 2025 | $8.0M | $1.4M | $0 | 83% | $0 |
| Q1 2025 | $7.6M | $1.7M | $0 | 80% | $0 |
| Q4 2024 | $6.8M | $1.1M | $0 | 70% | $0 |
| Q3 2024 | $8.0M | $2.0M | $0 | 93% | $0 |
| Q2 2024 | $8.1M | $1.3M | $0 | 103% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First National Bank in FalfurriasCommunity Bank · Falfurrias · $7.6M CRE book
- Federation BankCommunity Bank · Washington · $7.7M CRE book
- Hart County Bank and Trust CompanyCommunity Bank · Munfordville · $7.8M CRE book
- Gala BankCommunity Bank · Ocala · $7.8M CRE book
- Farmers and Merchants BankCommunity Bank · Milligan · $7.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.