KS lenders / Community Bank
The State Bank of Bern
Community Bank · Bern, KS · Bern Bancshares Inc
- Total assets
- $126.4M
- CRE loan book
- $1.1M
- QoQ CRE growth
- -2.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.67% as of Q1 2026 — TX bank median 4.87% (0.80pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.67% | 6.55% |
| Q4 2025 | 5.69% | 6.35% |
| Q3 2025 | 5.79% | 6.57% |
| Q2 2025 | 5.81% | 6.72% |
| Q1 2025 | 4.87% | 6.45% |
| Q4 2024 | 5.39% | 6.98% |
| Q3 2024 | 5.12% | 6.89% |
| Q2 2024 | 4.97% | 6.93% |
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 | $1.1M | $0 | $0 | 0% | $0 |
| Q4 2025 | $1.2M | $0 | $0 | 0% | $0 |
| Q3 2025 | $1.2M | $0 | $0 | 0% | $0 |
| Q2 2025 | $1.2M | $0 | $0 | 0% | $0 |
| Q1 2025 | $1.2M | $0 | $0 | 1% | $0 |
| Q4 2024 | $3.4M | $0 | $0 | 1% | $0 |
| Q3 2024 | $3.6M | $0 | $0 | 1% | $0 |
| Q2 2024 | $3.5M | $0 | $0 | 1% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of PragueCommunity Bank · Prague · $1.1M CRE book
- Oklahoma State BankCommunity Bank · Buffalo · $1.2M CRE book
- Vermilion Valley BankCommunity Bank · Piper City · $1.2M CRE book
- Peoples State BankCommunity Bank · Westhope · $1.2M CRE book
- Fairview State Banking CompanyCommunity Bank · Fairview · $1.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.