KY lenders / Community Bank
Cumberland Security Bank, Inc.
Community Bank · Somerset, KY · First Commerce Bcorp Inc
- Total assets
- $416.6M
- CRE loan book
- $190.4M
- QoQ CRE growth
- 2.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.84% as of Q1 2026 — TX bank median 4.87% (1.97pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.84% | 6.97% |
| Q4 2025 | 7.08% | 7.21% |
| Q3 2025 | 7.11% | 7.29% |
| Q2 2025 | 7.87% | 7.92% |
| Q1 2025 | 6.78% | 7.02% |
| Q4 2024 | 6.89% | 7.14% |
| Q3 2024 | 6.73% | 7.06% |
| Q2 2024 | 6.49% | 6.83% |
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 | $190.4M | $36.4M | $19.6M | 204% | $498,000 |
| Q4 2025 | $185.7M | $35.0M | $16.4M | 209% | $506,000 |
| Q3 2025 | $177.2M | $40.6M | $16.2M | 191% | $518,000 |
| Q2 2025 | $166.2M | $42.5M | $16.3M | 188% | $0 |
| Q1 2025 | $159.2M | $38.0M | $15.3M | 184% | $0 |
| Q4 2024 | $148.3M | $30.5M | $15.2M | 171% | $0 |
| Q3 2024 | $142.8M | $27.6M | $15.5M | 162% | $0 |
| Q2 2024 | $137.0M | $23.5M | $15.3M | 153% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens BankCommunity Bank · New Haven · $190.0M CRE book
- Farmers State BankCommunity Bank · Lagrange · $189.9M CRE book
- Union BankCommunity Bank · Grand Rapids · $191.4M CRE book
- First Pryority BankCommunity Bank · Pryor · $188.7M CRE book
- First Lockhart BankCommunity Bank · Lockhart · $192.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.