IN lenders / Community Bank
The First National Bank of Monterey
Community Bank · Monterey, IN
- Total assets
- $429.6M
- CRE loan book
- $20.8M
- QoQ CRE growth
- -1.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.05% as of Q1 2026 — TX bank median 4.87% (1.18pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.05% | 6.53% |
| Q4 2025 | 6.11% | 6.66% |
| Q3 2025 | 6.01% | 6.66% |
| Q2 2025 | 5.85% | 6.55% |
| Q1 2025 | 5.63% | 6.34% |
| Q4 2024 | 5.59% | 6.45% |
| Q3 2024 | 5.37% | 6.43% |
| Q2 2024 | 5.28% | 6.26% |
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 | $20.8M | $1.4M | $319,000 | 12% | $189,000 |
| Q4 2025 | $21.1M | $2.0M | $322,000 | 14% | $58,000 |
| Q3 2025 | $20.9M | $2.4M | $368,000 | 14% | $148,000 |
| Q2 2025 | $16.6M | $1.5M | $372,000 | 10% | $149,000 |
| Q1 2025 | $17.0M | $1.9M | $376,000 | 10% | $150,000 |
| Q4 2024 | $17.2M | $1.9M | $380,000 | 10% | $151,000 |
| Q3 2024 | $16.6M | $2.0M | $384,000 | 10% | $152,000 |
| Q2 2024 | $15.3M | $1.6M | $388,000 | 9% | $262,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Security State BankCommunity Bank · Cheyenne · $20.7M CRE book
- Farmers Trust and Savings BankCommunity Bank · Buffalo Center · $20.7M CRE book
- ACB BankCommunity Bank · Cherokee · $20.7M CRE book
- Savings BankCommunity Bank · Primghar · $20.6M CRE book
- Community Bank and TrustCommunity Bank · Neosho · $20.4M CRE book
See all alternatives to The First National Bank of Monterey →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.