IL lenders / Community Bank
FNBC Bank & Trust
Community Bank · La Grange, IL · F N B C Of La Grange Inc
- Total assets
- $580.4M
- CRE loan book
- $193.9M
- QoQ CRE growth
- 2.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.45% as of Q1 2026 — TX bank median 4.87% (0.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.45% | 5.46% |
| Q4 2025 | 5.48% | 5.51% |
| Q3 2025 | 5.36% | 5.38% |
| Q2 2025 | 5.25% | 5.29% |
| Q1 2025 | 5.21% | 5.23% |
| Q4 2024 | 5.27% | 5.29% |
| Q3 2024 | 5.33% | 5.37% |
| Q2 2024 | 5.02% | 5.04% |
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 | $193.9M | $3.4M | $116.7M | 260% | $0 |
| Q4 2025 | $189.6M | $2.4M | $105.0M | 253% | $0 |
| Q3 2025 | $182.6M | $1.9M | $95.2M | 243% | $0 |
| Q2 2025 | $179.7M | $3.6M | $88.5M | 239% | $0 |
| Q1 2025 | $179.5M | $2.5M | $86.7M | 237% | $0 |
| Q4 2024 | $175.7M | $3.2M | $86.5M | 241% | $0 |
| Q3 2024 | $184.2M | $6.5M | $86.9M | 256% | $0 |
| Q2 2024 | $186.5M | $4.8M | $87.8M | 262% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Golden Valley BankCommunity Bank · Chico · $194.0M CRE book
- Highpoint Community BankCommunity Bank · Hastings · $193.6M CRE book
- First Bank, Upper MichiganCommunity Bank · Gladstone · $193.0M CRE book
- The Killbuck Savings Bank CompanyCommunity Bank · Killbuck · $193.0M CRE book
- First Lockhart BankCommunity Bank · Lockhart · $192.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.