KS lenders / Community Bank
Ford County State Bank
Community Bank · Spearville, KS
- Total assets
- $58.9M
- CRE loan book
- $2.5M
- QoQ CRE growth
- 0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.22% as of Q1 2026 — TX bank median 4.87% (0.36pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.22% | 7.55% |
| Q4 2025 | 7.43% | 7.97% |
| Q3 2025 | 7.56% | 7.72% |
| Q2 2025 | 7.69% | 7.91% |
| Q1 2025 | 7.84% | 7.87% |
| Q4 2024 | 7.98% | 7.78% |
| Q3 2024 | 6.92% | 7.57% |
| Q2 2024 | 6.24% | 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 | $2.5M | $0 | $0 | 37% | $0 |
| Q4 2025 | $2.5M | $0 | $0 | 37% | $0 |
| Q3 2025 | $2.5M | $0 | $0 | 39% | $0 |
| Q2 2025 | $2.6M | $0 | $0 | 40% | $0 |
| Q1 2025 | $2.6M | $0 | $0 | 41% | $0 |
| Q4 2024 | $2.7M | $0 | $0 | 42% | $0 |
| Q3 2024 | $2.9M | $0 | $0 | 46% | $0 |
| Q2 2024 | $2.6M | $0 | $0 | 42% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Ashton State BankCommunity Bank · Ashton · $2.4M CRE book
- The First State Bank of DongolaCommunity Bank · Dongola · $2.6M CRE book
- Benton County State BankCommunity Bank · Blairstown · $2.6M CRE book
- Farmers and Merchants BankCommunity Bank · Arnett · $2.7M CRE book
- Farmers and Merchants State Bank of SpringfieldCommunity Bank · Springfield · $2.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.