KS lenders / Community Bank
The Baldwin State Bank
Community Bank · Baldwin City, KS · Baldwin Bancshares Inc
- Total assets
- $107.7M
- CRE loan book
- $7.0M
- QoQ CRE growth
- -7.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.32% as of Q1 2026 — TX bank median 4.87% (0.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.32% | 5.57% |
| Q4 2025 | 5.31% | 5.70% |
| Q3 2025 | 5.35% | 5.75% |
| Q2 2025 | 5.22% | 5.62% |
| Q1 2025 | 5.06% | 5.47% |
| Q4 2024 | 4.99% | 5.44% |
| Q3 2024 | 4.97% | 5.43% |
| Q2 2024 | 4.80% | 5.20% |
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 | $7.0M | $276,000 | $204,000 | 7% | $0 |
| Q4 2025 | $7.5M | $339,000 | $208,000 | 7% | $0 |
| Q3 2025 | $7.9M | $642,000 | $211,000 | 11% | $0 |
| Q2 2025 | $8.1M | $787,000 | $215,000 | 13% | $0 |
| Q1 2025 | $7.8M | $364,000 | $218,000 | 9% | $0 |
| Q4 2024 | $5.5M | $337,000 | $222,000 | 7% | $0 |
| Q3 2024 | $5.0M | $629,000 | $225,000 | 9% | $0 |
| Q2 2024 | $6.2M | $1.8M | $324,000 | 21% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Exchange State BankCommunity Bank · Saint Paul · $6.9M CRE book
- The Citizens Bank of EdinaCommunity Bank · Edina · $6.9M CRE book
- The Buckholts State BankCommunity Bank · Buckholts · $6.9M CRE book
- The Home National Bank of ThorntownCommunity Bank · Thorntown · $6.9M CRE book
- Citizens State Bank, of ArlingtonCommunity Bank · Arlington · $7.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.