IL lenders / Community Bank
State Bank of Bement
Community Bank · Bement, IL · Bement Bancshares Inc
- Total assets
- $185.1M
- CRE loan book
- $25.0M
- QoQ CRE growth
- -7.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 4.87% (1.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.26% |
| Q4 2025 | 6.11% | 6.58% |
| Q3 2025 | 6.57% | 6.90% |
| Q2 2025 | 6.39% | 6.71% |
| Q1 2025 | 5.94% | 6.03% |
| Q4 2024 | 5.09% | 6.79% |
| Q3 2024 | 4.27% | 6.61% |
| Q2 2024 | 6.71% | 6.33% |
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 | $25.0M | $937,000 | $873,000 | 127% | $0 |
| Q4 2025 | $27.0M | $1.6M | $950,000 | 140% | $0 |
| Q3 2025 | $28.2M | $4.3M | $809,000 | 146% | $0 |
| Q2 2025 | $27.7M | $8.3M | $814,000 | 143% | $0 |
| Q1 2025 | $30.9M | $11.2M | $818,000 | 163% | $0 |
| Q4 2024 | $32.9M | $441,000 | $822,000 | 7% | $0 |
| Q3 2024 | $30.4M | $160,000 | $1.3M | 8% | $0 |
| Q2 2024 | $29.3M | $74,000 | $1.3M | 8% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- United State BankCommunity Bank · Lewistown · $24.9M CRE book
- Farmers State BankCommunity Bank · Lincolnton · $25.2M CRE book
- The Twin Valley BankCommunity Bank · West Alexandria · $24.7M CRE book
- The State Exchange BankCommunity Bank · Lamont · $24.7M CRE book
- The Exchange BankCommunity Bank · Skiatook · $24.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.