KY lenders / Community Bank
Central Bank & Trust Co.
Community Bank · Lexington, KY · Central Bancshares Inc
- Total assets
- $4.0B
- CRE loan book
- $1.7B
- QoQ CRE growth
- 1.2%
- Q1 2026
Recorded CRE activity — oh-franklin County
1 commercial deed of trust recorded recently, verified from county records.
- Sep 8, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.68% as of Q1 2026 — TX bank median 4.87% (0.82pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.68% | 5.82% |
| Q4 2025 | 5.76% | 5.89% |
| Q3 2025 | 5.83% | 5.93% |
| Q2 2025 | 5.65% | 5.80% |
| Q1 2025 | 5.46% | 5.71% |
| Q4 2024 | 5.50% | 5.75% |
| Q3 2024 | 5.55% | 5.80% |
| Q2 2024 | 5.28% | 5.59% |
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 | $1.7B | $270.3M | $293.5M | 258% | $42,000 |
| Q4 2025 | $1.7B | $315.8M | $264.7M | 261% | $43,000 |
| Q3 2025 | $1.6B | $273.3M | $268.7M | 253% | $44,000 |
| Q2 2025 | $1.5B | $305.2M | $224.6M | 247% | $45,000 |
| Q1 2025 | $1.5B | $283.0M | $203.9M | 251% | $41,000 |
| Q4 2024 | $1.5B | $305.6M | $194.5M | 251% | $680,000 |
| Q3 2024 | $1.5B | $363.4M | $160.6M | 249% | $681,000 |
| Q2 2024 | $1.5B | $387.9M | $152.6M | 249% | $713,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Broadway National BankCommunity Bank · San Antonio · $1.7B CRE book
- Home Bank, National AssociationCommunity Bank · Lafayette · $1.7B CRE book
- ChoiceOne BankCommunity Bank · Sparta · $1.7B CRE book
- Farmers & Merchants Bank of Central CaliforniaCommunity Bank · Lodi · $1.6B CRE book
- Bank Five NineCommunity Bank · Oconomowoc · $1.6B CRE book
Last updated Sep 8, 2026 · Sources: FFIEC CDR, county records, first-party conversations.