IL lenders / Community Bank
State Bank
Community Bank · Waterloo, IL · Sbw Bancshares Inc
- Total assets
- $320.1M
- CRE loan book
- $112.2M
- QoQ CRE growth
- 2.0%
- 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% (1.21pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.07% | 6.18% |
| Q4 2025 | 5.97% | 6.07% |
| Q3 2025 | 6.31% | 6.43% |
| Q2 2025 | 5.97% | 6.11% |
| Q1 2025 | 5.42% | 5.57% |
| Q4 2024 | 5.41% | 5.57% |
| Q3 2024 | 5.32% | 5.50% |
| Q2 2024 | 4.94% | 5.10% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $112.2M | $22.4M | $4.9M | 235% | $4.3M |
| Q4 2025 | $110.0M | $20.4M | $4.9M | 224% | $4.5M |
| Q3 2025 | $102.7M | $14.5M | $8.5M | 210% | $929,000 |
| Q2 2025 | $100.7M | $7.8M | $10.4M | 211% | $1.4M |
| Q1 2025 | $95.1M | $5.5M | $11.0M | 194% | $1.5M |
| Q4 2024 | $97.2M | $4.6M | $11.8M | 195% | $1.6M |
| Q3 2024 | $97.3M | $3.9M | $12.0M | 206% | $1.3M |
| Q2 2024 | $99.0M | $3.9M | $12.1M | 219% | $2.9M |
Signals
Recent news
- Plains State Bank Focuses Business Loans on Flexible Financing as Houston Companies Navigate Capital Needs - markets.businessinsider.com — Coverage of State Bank related to lending reported by markets.businessinsider.com.Oct 9, 2026
- Union State Bank buys Wichita office building with eye on growth, talent recruitment - The Business Journals — Coverage of State Bank related to commercial real estate and lending reported by bizjournals.com.Sep 1, 2026
- STATE BANK LENDERS CLOSE MORE THAN $14 MILLION IN COMMERCIAL REAL ESTATE DEALS - The Business Journals — Coverage of State Bank related to commercial real estate and lending reported by bizjournals.com.Aug 31, 2026
- SBI का मेगा रियल एस्टेट डील! Pune के IT हब में 414 करोड़ रुपये का सौदा; 15 मंजिला बिल्डिंग में होगा हेड ऑफिस Link: https://www.zeebiz.com/hindi/real-estate/state-bank-of-india-is-purchasing-181084-sqft-of-land-at-kharadi-kno - facebook.com — Coverage of State Bank related to commercial real estate and lending reported by facebook.com.Aug 21, 2026
- Port Washington State Bank leads financing for transformational Meridian development - Greater Milwaukee Today — Coverage of State Bank related to commercial real estate and lending reported by gmtoday.com.Aug 18, 2026
- American State Bank Welcomes New Commercial Loan Officer - roundupweb.com — Coverage of State Bank related to lending reported by roundupweb.com.Aug 11, 2026
- American State Bank & Trust welcomes new commercial loan officer - Williston Herald — Coverage of State Bank related to lending reported by willistonherald.com.Aug 6, 2026
- Santa Rosa's Summit State Bank reports $1.3 million loss after credit cleanup - The Press Democrat — Coverage of State Bank related to commercial real estate and lending reported by pressdemocrat.com.Aug 4, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants Bank of St. ClairCommunity Bank · Saint Clair · $112.2M CRE book
- Owen County State BankCommunity Bank · Spencer · $113.4M CRE book
- Town & Country BankCommunity Bank · Salem · $110.8M CRE book
- Union BankCommunity Bank · Mena · $110.6M CRE book
- Five Points Bank of HastingsCommunity Bank · Hastings · $110.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.