KY lenders / Community Bank
The Citizens Bank
Community Bank · Morehead, KY · Citizens Bcorp Morehead Inc
- Total assets
- $227.9M
- CRE loan book
- $22.9M
- QoQ CRE growth
- 2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.20% as of Q1 2026 — TX bank median 4.87% (1.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.20% | 6.36% |
| Q4 2025 | 6.30% | 6.53% |
| Q3 2025 | 6.48% | 6.61% |
| Q2 2025 | 6.23% | 6.42% |
| Q1 2025 | 6.04% | 6.22% |
| Q4 2024 | 6.28% | 6.43% |
| Q3 2024 | 6.27% | 6.43% |
| Q2 2024 | 6.08% | 6.24% |
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 | $22.9M | $3.7M | $3.8M | 49% | $0 |
| Q4 2025 | $22.3M | $2.9M | $5.1M | 49% | $0 |
| Q3 2025 | $22.1M | $2.3M | $5.2M | 49% | $0 |
| Q2 2025 | $21.9M | $2.0M | $4.9M | 46% | $0 |
| Q1 2025 | $22.3M | $2.8M | $5.0M | 51% | $0 |
| Q4 2024 | $23.5M | $3.0M | $5.4M | 76% | $0 |
| Q3 2024 | $25.1M | $4.1M | $5.4M | 82% | $0 |
| Q2 2024 | $24.5M | $3.7M | $5.5M | 82% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Producers Bank & TrustCommunity Bank · Mcgehee · $23.0M CRE book
- Mount Vernon Bank and Trust CompanyCommunity Bank · Mount Vernon · $22.7M CRE book
- First Southeast BankCommunity Bank · Harmony · $22.6M CRE book
- The Iuka State BankCommunity Bank · Salem · $23.2M CRE book
- Security State BankCommunity Bank · Farwell · $23.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.