IN lenders / Community Bank
Farmers and Merchants Bank
Community Bank · Laotto, IN · Fm Fincorp
- Total assets
- $314.5M
- CRE loan book
- $62.2M
- QoQ CRE growth
- 4.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.98% as of Q1 2026 — TX bank median 4.87% (1.12pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.98% | 6.16% |
| Q4 2025 | 6.12% | 6.30% |
| Q3 2025 | 5.90% | 6.22% |
| Q2 2025 | 5.83% | 6.08% |
| Q1 2025 | 5.59% | 5.79% |
| Q4 2024 | 5.71% | 5.90% |
| Q3 2024 | 5.49% | 5.73% |
| Q2 2024 | 5.34% | 5.57% |
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 | $62.2M | $7.8M | $1.6M | 204% | $0 |
| Q4 2025 | $59.9M | $10.0M | $1.9M | 204% | $0 |
| Q3 2025 | $54.4M | $7.9M | $2.0M | 189% | $0 |
| Q2 2025 | $51.1M | $5.9M | $2.6M | 179% | $0 |
| Q1 2025 | $49.2M | $4.8M | $2.5M | 173% | $0 |
| Q4 2024 | $48.0M | $4.3M | $2.5M | 172% | $0 |
| Q3 2024 | $42.6M | $2.9M | $2.3M | 152% | $8,000 |
| Q2 2024 | $40.4M | $2.0M | $2.3M | 144% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Pittsfield · $62.3M CRE book
- Sanger BankCommunity Bank · Sanger · $61.9M CRE book
- Heritage BankCommunity Bank · Wood River · $61.7M CRE book
- The Napoleon State BankCommunity Bank · Napoleon · $61.6M CRE book
- First State Bank of ForrestCommunity Bank · Forrest · $61.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.