IL lenders / Community Bank
West Central Bank
Community Bank · Ashland, IL · West Central Bancshares Inc
- Total assets
- $237.9M
- CRE loan book
- $33.9M
- QoQ CRE growth
- -8.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.31% as of Q1 2026 — TX bank median 4.87% (1.44pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.31% | 6.55% |
| Q4 2025 | 6.14% | 6.54% |
| Q3 2025 | 6.23% | 6.42% |
| Q2 2025 | 6.07% | 6.44% |
| Q1 2025 | 6.04% | 6.23% |
| Q4 2024 | 6.00% | 6.46% |
| Q3 2024 | 5.86% | 6.39% |
| Q2 2024 | 5.50% | 6.13% |
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 | $33.9M | $7.1M | $4.8M | 84% | $600,000 |
| Q4 2025 | $36.8M | $10.0M | $4.9M | 95% | $1.0M |
| Q3 2025 | $43.2M | $10.4M | $8.2M | 115% | $311,000 |
| Q2 2025 | $43.1M | $10.3M | $8.3M | 117% | $311,000 |
| Q1 2025 | $43.1M | $10.3M | $6.8M | 115% | $311,000 |
| Q4 2024 | $42.9M | $10.0M | $6.9M | 114% | $311,000 |
| Q3 2024 | $40.0M | $7.6M | $7.0M | 108% | $311,000 |
| Q2 2024 | $39.8M | $6.7M | $7.3M | 109% | $311,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Cowboy Bank of TexasCommunity Bank · Maypearl · $33.9M CRE book
- BankCommunity Bank · Wapello · $34.0M CRE book
- Peoples BankCommunity Bank · Paris · $34.1M CRE book
- Spring Valley City BankCommunity Bank · Spring Valley · $34.1M CRE book
- The Bank of Charlotte CountyCommunity Bank · Phenix · $33.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.