IL lenders / Community Bank
Jersey State Bank
Community Bank · Jerseyville, IL · Jsb Bcorp Inc
- Total assets
- $195.9M
- CRE loan book
- $28.7M
- QoQ CRE growth
- -3.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.07% as of Q1 2026 — TX bank median 4.87% (1.20pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.07% | 6.19% |
| Q4 2025 | 6.43% | 6.43% |
| Q3 2025 | 6.22% | 6.43% |
| Q2 2025 | 6.95% | 6.75% |
| Q1 2025 | 6.21% | 6.06% |
| Q4 2024 | 6.11% | 6.05% |
| Q3 2024 | 5.56% | 5.72% |
| Q2 2024 | 5.50% | 5.79% |
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 | $28.7M | $198,000 | $2.5M | 55% | $0 |
| Q4 2025 | $29.7M | $20,000 | $2.5M | 59% | $0 |
| Q3 2025 | $29.6M | $0 | $2.5M | 59% | $0 |
| Q2 2025 | $31.4M | $1.2M | $3.0M | 65% | $0 |
| Q1 2025 | $25.9M | $1.5M | $3.0M | 67% | $1.1M |
| Q4 2024 | $25.9M | $1.2M | $3.0M | 67% | $1.1M |
| Q3 2024 | $24.7M | $749,000 | $3.1M | 65% | $1.1M |
| Q2 2024 | $22.5M | $458,000 | $933,000 | 57% | $1.1M |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.