IL lenders / Community Bank
Flanagan State Bank
Community Bank · Flanagan, IL · Hometown Financial Group Inc
- Total assets
- $313.4M
- CRE loan book
- $39.5M
- QoQ CRE growth
- 2.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.57% as of Q1 2026 — TX bank median 4.87% (1.70pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.57% | 6.44% |
| Q4 2025 | 7.05% | 6.88% |
| Q3 2025 | 6.83% | 6.80% |
| Q2 2025 | 6.59% | 6.76% |
| Q1 2025 | 6.26% | 6.49% |
| Q4 2024 | 6.39% | 6.68% |
| Q3 2024 | 6.47% | 6.82% |
| Q2 2024 | 6.12% | 6.53% |
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 | $39.5M | $6.8M | $4.5M | 61% | $0 |
| Q4 2025 | $38.4M | $7.9M | $4.6M | 65% | $0 |
| Q3 2025 | $38.4M | $9.0M | $4.6M | 70% | $17,000 |
| Q2 2025 | $38.3M | $8.8M | $4.9M | 72% | $18,000 |
| Q1 2025 | $36.6M | $11.4M | $1.2M | 70% | $22,000 |
| Q4 2024 | $32.8M | $10.4M | $1.2M | 59% | $26,000 |
| Q3 2024 | $31.8M | $9.7M | $1.2M | 57% | $29,000 |
| Q2 2024 | $29.2M | $8.7M | $1.2M | 53% | $33,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Shelby County State BankCommunity Bank · Shelbyville · $39.5M CRE book
- The Converse County BankCommunity Bank · Douglas · $39.6M CRE book
- The Bank of Southside VirginiaCommunity Bank · Carson · $39.1M CRE book
- The First National Bank of AllendaleCommunity Bank · Allendale · $39.1M CRE book
- Concordia Bank of Concordia, MissouriCommunity Bank · Concordia · $39.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.