KS lenders / Community Bank
Farmers State Bank
Community Bank · Phillipsburg, KS · Phillips Holdings Inc
- Total assets
- $42.5M
- CRE loan book
- $1.3M
- QoQ CRE growth
- -11.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.40% as of Q1 2026 — TX bank median 4.87% (1.53pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.40% | 6.85% |
| Q4 2025 | 6.56% | 7.07% |
| Q3 2025 | 6.35% | 7.16% |
| Q2 2025 | 6.34% | 6.87% |
| Q1 2025 | 6.03% | 6.48% |
| Q4 2024 | 5.78% | 6.61% |
| Q3 2024 | 5.65% | 6.65% |
| Q2 2024 | 5.58% | 6.47% |
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 | $1.3M | $196,000 | $0 | 15% | $0 |
| Q4 2025 | $1.4M | $196,000 | $149,000 | 18% | $0 |
| Q3 2025 | $1.5M | $248,000 | $153,000 | 19% | $0 |
| Q2 2025 | $1.5M | $238,000 | $157,000 | 19% | $0 |
| Q1 2025 | $2.0M | $262,000 | $161,000 | 29% | $0 |
| Q4 2024 | $2.0M | $259,000 | $165,000 | 17% | $0 |
| Q3 2024 | $2.0M | $236,000 | $171,000 | 15% | $0 |
| Q2 2024 | $2.3M | $207,000 | $172,000 | 15% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National Bank in TigertonCommunity Bank · Tigerton · $1.3M CRE book
- Peoples State BankCommunity Bank · Westhope · $1.2M CRE book
- Vermilion Valley BankCommunity Bank · Piper City · $1.2M CRE book
- Oklahoma State BankCommunity Bank · Buffalo · $1.2M CRE book
- First Federal Savings and Loan AssociationCommunity Bank · Centerburg · $1.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.