KY lenders / Community Bank
First State Bank
Community Bank · Irvington, KY · First Breckinridge Bancshares
- Total assets
- $414.5M
- CRE loan book
- $108.4M
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.71% as of Q1 2026 — TX bank median 4.87% (1.85pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.71% | 6.92% |
| Q4 2025 | 6.84% | 7.07% |
| Q3 2025 | 6.91% | 7.07% |
| Q2 2025 | 6.88% | 7.20% |
| Q1 2025 | 6.92% | 7.23% |
| Q4 2024 | 6.95% | 7.24% |
| Q3 2024 | 6.78% | 7.09% |
| Q2 2024 | 6.59% | 7.01% |
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 | $108.4M | $48.2M | $8.9M | 219% | $9,000 |
| Q4 2025 | $106.3M | $45.6M | $9.0M | 221% | $10,000 |
| Q3 2025 | $99.0M | $40.8M | $9.0M | 210% | $10,000 |
| Q2 2025 | $101.2M | $56.7M | $678,000 | 217% | $11,000 |
| Q1 2025 | $99.2M | $59.9M | $683,000 | 246% | $10,000 |
| Q4 2024 | $95.3M | $55.3M | $770,000 | 241% | $0 |
| Q3 2024 | $89.0M | $48.5M | $782,000 | 233% | $30,000 |
| Q2 2024 | $83.2M | $47.6M | $520,000 | 222% | $31,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Seamen's BankCommunity Bank · Provincetown · $109.1M CRE book
- Enterprise Bank of South CarolinaCommunity Bank · Ehrhardt · $107.1M CRE book
- First Bethany Bank & TrustCommunity Bank · Bethany · $110.0M CRE book
- Legence BankCommunity Bank · Eldorado · $110.0M CRE book
- Kentland BankCommunity Bank · Kentland · $110.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.