KS lenders / Community Bank
First National Bank in Fredonia
Community Bank · Fredonia, KS · First Natl Bancshares Fredonia
- Total assets
- $101.3M
- CRE loan book
- $3.3M
- QoQ CRE growth
- 3.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.32% as of Q1 2026 — TX bank median 4.87% (1.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.32% | 6.88% |
| Q4 2025 | 6.12% | 7.04% |
| Q3 2025 | 6.17% | 7.12% |
| Q2 2025 | 6.18% | 7.13% |
| Q1 2025 | 6.09% | 6.89% |
| Q4 2024 | 6.29% | 7.07% |
| Q3 2024 | 6.39% | 7.17% |
| Q2 2024 | 5.80% | 6.80% |
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 | $3.3M | $120,000 | $0 | 18% | $24,000 |
| Q4 2025 | $3.2M | $121,000 | $0 | 18% | $15,000 |
| Q3 2025 | $3.3M | $121,000 | $0 | 18% | $0 |
| Q2 2025 | $3.4M | $121,000 | $0 | 18% | $79,000 |
| Q1 2025 | $3.7M | $121,000 | $0 | 20% | $135,000 |
| Q4 2024 | $3.9M | $121,000 | $0 | 22% | $135,000 |
| Q3 2024 | $4.1M | $121,000 | $0 | 22% | $130,000 |
| Q2 2024 | $4.1M | $122,000 | $0 | 22% | $131,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of ViciCommunity Bank · Vici · $3.3M CRE book
- Farmers Bank & TrustCommunity Bank · Atwood · $3.2M CRE book
- Root River State BankCommunity Bank · Chatfield · $3.4M CRE book
- The First National Bank at St. JamesCommunity Bank · Saint James · $3.2M CRE book
- Raritan State BankCommunity Bank · Raritan · $3.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.