IL lenders / Community Bank
Waterman Bank
Community Bank · Waterman, IL · Waterman Acquisition Group Llc
- Total assets
- $172.4M
- CRE loan book
- $50.8M
- QoQ CRE growth
- 9.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.98% as of Q1 2026 — TX bank median 4.87% (3.12pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.98% | 8.26% |
| Q4 2025 | 8.61% | 8.93% |
| Q3 2025 | 8.07% | 8.65% |
| Q2 2025 | 7.33% | 8.29% |
| Q1 2025 | 8.22% | 9.10% |
| Q4 2024 | 8.34% | 9.24% |
| Q3 2024 | 7.99% | 8.98% |
| Q2 2024 | 8.39% | 9.51% |
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 | $50.8M | $9.8M | $10.4M | 192% | $2.4M |
| Q4 2025 | $46.6M | $6.9M | $8.2M | 190% | $0 |
| Q3 2025 | $46.9M | $7.2M | $8.4M | 193% | $0 |
| Q2 2025 | $41.9M | $5.8M | $3.6M | 179% | $0 |
| Q1 2025 | $39.8M | $3.5M | $3.6M | 182% | $0 |
| Q4 2024 | $53.3M | $9.3M | $4.1M | 207% | $0 |
| Q3 2024 | $52.9M | $14.1M | $3.6M | 227% | $0 |
| Q2 2024 | $51.5M | $13.8M | $3.0M | 231% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Heartland BankCommunity Bank · Somers · $50.8M CRE book
- Harvest BankCommunity Bank · Kimball · $50.7M CRE book
- FBT Bank & MortgageCommunity Bank · Fordyce · $50.9M CRE book
- Iowa State Bank and Trust Company of Fairfield, IowaCommunity Bank · Fairfield · $50.5M CRE book
- Bank of ClarksonCommunity Bank · Clarkson · $51.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.