KS lenders / Community Bank
First Heritage Bank
Community Bank · Centralia, KS · First Centralia Bancshares Inc
- Total assets
- $300.4M
- CRE loan book
- $52.7M
- QoQ CRE growth
- -6.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.04% as of Q1 2026 — TX bank median 4.87% (2.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.04% | 6.88% |
| Q4 2025 | 7.21% | 7.06% |
| Q3 2025 | 7.57% | 7.33% |
| Q2 2025 | 7.39% | 7.24% |
| Q1 2025 | 7.46% | 7.26% |
| Q4 2024 | 7.24% | 7.15% |
| Q3 2024 | 7.76% | 7.22% |
| Q2 2024 | 7.24% | 7.26% |
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 | $52.7M | $3.5M | $5.1M | 102% | $0 |
| Q4 2025 | $56.5M | $2.1M | $5.2M | 123% | $0 |
| Q3 2025 | $53.3M | $8.0M | $5.2M | 143% | $0 |
| Q2 2025 | $43.2M | $8.0M | $4.7M | 121% | $0 |
| Q1 2025 | $37.4M | $10.5M | $4.7M | 112% | $0 |
| Q4 2024 | $35.0M | $9.8M | $4.7M | 105% | $0 |
| Q3 2024 | $36.1M | $14.2M | $4.7M | 110% | $0 |
| Q2 2024 | $34.0M | $14.0M | $4.8M | 99% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Ireland BankCommunity Bank · Malad City · $52.6M CRE book
- Farmers & Merchants Bank & TrustCommunity Bank · Marinette · $52.9M CRE book
- Security State Bank of MarineCommunity Bank · Marine On St. Croix · $52.5M CRE book
- TBO BankCommunity Bank · Orrick · $52.9M CRE book
- Alliance BankCommunity Bank · Mondovi · $52.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.