KS lenders / Community Bank
The First State Bank
Community Bank · Ness City, KS · Beutler Inc
- Total assets
- $85.8M
- CRE loan book
- $1.0M
- QoQ CRE growth
- -24.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.73% as of Q1 2026 — TX bank median 4.87% (1.86pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.73% | 7.04% |
| Q4 2025 | 7.33% | 7.55% |
| Q3 2025 | 7.16% | 7.67% |
| Q2 2025 | 7.11% | 7.55% |
| Q1 2025 | 6.90% | 7.15% |
| Q4 2024 | 7.19% | 7.64% |
| Q3 2024 | 7.31% | 7.90% |
| Q2 2024 | 6.98% | 7.64% |
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 | $1.0M | $0 | $0 | 0% | $0 |
| Q4 2025 | $1.3M | $0 | $0 | 0% | $0 |
| Q3 2025 | $1.4M | $0 | $0 | 0% | $0 |
| Q2 2025 | $1.3M | $0 | $0 | 0% | $0 |
| Q1 2025 | $1.4M | $0 | $0 | 0% | $0 |
| Q4 2024 | $1.4M | $0 | $0 | 0% | $0 |
| Q3 2024 | $1.4M | $0 | $0 | 2% | $0 |
| Q2 2024 | $1.4M | $0 | $0 | 2% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Donley County State BankCommunity Bank · Clarendon · $981,000 CRE book
- Peoples State Bank of ColfaxCommunity Bank · Colfax · $1.0M CRE book
- The Baxter State BankCommunity Bank · Baxter Springs · $1.0M CRE book
- The First Farmers National Bank of WaurikaCommunity Bank · Waurika · $960,000 CRE book
- First State Bank of Van OrinCommunity Bank · Van Orin · $1.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.