KY lenders / Community Bank
Bank of Columbia
Community Bank · Columbia, KY · Columbia Bancshares Inc
- Total assets
- $229.8M
- CRE loan book
- $34.8M
- QoQ CRE growth
- -4.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.57% as of Q1 2026 — TX bank median 4.87% (1.71pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.57% | 6.78% |
| Q4 2025 | 6.66% | 6.98% |
| Q3 2025 | 6.78% | 7.10% |
| Q2 2025 | 6.69% | 6.98% |
| Q1 2025 | 6.37% | 6.77% |
| Q4 2024 | 6.65% | 7.06% |
| Q3 2024 | 6.53% | 6.92% |
| Q2 2024 | 6.33% | 6.75% |
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 | $34.8M | $5.2M | $1.1M | 87% | $0 |
| Q4 2025 | $36.2M | $6.0M | $1.1M | 90% | $406,000 |
| Q3 2025 | $36.7M | $7.4M | $1.1M | 91% | $0 |
| Q2 2025 | $35.2M | $6.8M | $623,000 | 87% | $0 |
| Q1 2025 | $37.5M | $8.4M | $632,000 | 95% | $0 |
| Q4 2024 | $45.5M | $6.8M | $430,000 | 121% | $0 |
| Q3 2024 | $53.3M | $6.2M | $436,000 | 141% | $0 |
| Q2 2024 | $51.5M | $5.7M | $439,000 | 142% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State Street Bank and Trust CompanyCommunity Bank · Quincy · $34.8M CRE book
- The Farmers State Bank and Trust CompanyCommunity Bank · Jacksonville · $34.8M CRE book
- Flatwater BankCommunity Bank · Gothenburg · $34.9M CRE book
- Marblehead BankCommunity Bank · Marblehead · $35.0M CRE book
- The Clay City Banking Co.Community Bank · Clay City · $35.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.