KY lenders / Community Bank
Home Savings Bank, FSB
Community Bank · Ludlow, KY
- Total assets
- $27.2M
- CRE loan book
- $4.4M
- QoQ CRE growth
- -1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.17% as of Q1 2026 — TX bank median 4.87% (0.31pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.17% | 5.17% |
| Q4 2025 | 5.76% | 5.76% |
| Q3 2025 | 5.17% | 5.16% |
| Q2 2025 | 5.45% | 5.44% |
| Q1 2025 | 5.52% | 5.51% |
| Q4 2024 | 5.58% | 5.57% |
| Q3 2024 | 5.62% | 5.62% |
| Q2 2024 | 5.67% | 5.66% |
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 | $4.4M | $868,000 | $1.9M | 153% | $466,000 |
| Q4 2025 | $4.5M | $769,000 | $2.0M | 152% | $373,000 |
| Q3 2025 | $4.7M | $1.2M | $1.9M | 157% | $376,000 |
| Q2 2025 | $4.8M | $1.2M | $1.8M | 154% | $0 |
| Q1 2025 | $5.2M | $1.3M | $2.0M | 161% | $0 |
| Q4 2024 | $5.0M | $1.3M | $1.8M | 155% | $0 |
| Q3 2024 | $4.8M | $1.2M | $1.7M | 146% | $0 |
| Q2 2024 | $5.2M | $1.7M | $1.7M | 159% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State Bank of CantonCommunity Bank · Canton · $4.4M CRE book
- The First National Bank of PrimgharCommunity Bank · Primghar · $4.5M CRE book
- Camp Grove State BankCommunity Bank · Camp Grove · $4.3M CRE book
- Columbus State BankCommunity Bank · Columbus · $4.3M CRE book
- Haskell National BankCommunity Bank · Haskell · $4.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.