IL lenders / Community Bank
Town Center Bank
Community Bank · Frankfort, IL · Tc Financial Holdings Inc
- Total assets
- $174.7M
- CRE loan book
- $90.1M
- QoQ CRE growth
- 4.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.47% as of Q1 2026 — TX bank median 4.87% (1.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.47% | 6.48% |
| Q4 2025 | 6.90% | 6.82% |
| Q3 2025 | 6.72% | 6.67% |
| Q2 2025 | 6.63% | 6.53% |
| Q1 2025 | 6.59% | 6.40% |
| Q4 2024 | 6.85% | 6.89% |
| Q3 2024 | 6.79% | 6.97% |
| Q2 2024 | 6.56% | 6.75% |
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 | $90.1M | $5.8M | $19.6M | 296% | $3.0M |
| Q4 2025 | $86.6M | $5.9M | $18.5M | 289% | $3.0M |
| Q3 2025 | $83.6M | $5.4M | $17.0M | 277% | $3.0M |
| Q2 2025 | $82.5M | $5.5M | $18.4M | 291% | $0 |
| Q1 2025 | $74.8M | $6.6M | $18.6M | 272% | $0 |
| Q4 2024 | $73.7M | $8.6M | $14.9M | 272% | $0 |
| Q3 2024 | $76.7M | $9.9M | $14.3M | 288% | $0 |
| Q2 2024 | $79.7M | $9.2M | $15.5M | 311% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- FM BankCommunity Bank · Waseca · $90.4M CRE book
- North Brookfield Savings BankCommunity Bank · North Brookfield · $89.8M CRE book
- Minnstar Bank National AssociationCommunity Bank · Lake Crystal · $90.6M CRE book
- Bank of MiltonCommunity Bank · Milton · $89.4M CRE book
- Security State BankCommunity Bank · Basin · $89.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.