MD lenders / Community Bank
Middletown Valley Bank
Community Bank · Middletown, MD · Community Heritage Finl Inc
- Total assets
- $1.2B
- CRE loan book
- $441.7M
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.74% as of Q1 2026 — TX bank median 4.87% (0.88pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.74% | 5.88% |
| Q4 2025 | 5.71% | 5.92% |
| Q3 2025 | 5.68% | 5.89% |
| Q2 2025 | 5.58% | 5.80% |
| Q1 2025 | 5.41% | 5.70% |
| Q4 2024 | 5.36% | 5.66% |
| Q3 2024 | 5.34% | 5.69% |
| Q2 2024 | 5.17% | 5.47% |
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 | $441.7M | $84.4M | $23.0M | 247% | $0 |
| Q4 2025 | $438.2M | $87.1M | $23.4M | 253% | $0 |
| Q3 2025 | $420.5M | $80.7M | $22.7M | 246% | $0 |
| Q2 2025 | $398.2M | $67.8M | $23.0M | 236% | $0 |
| Q1 2025 | $399.7M | $65.4M | $24.1M | 239% | $0 |
| Q4 2024 | $383.8M | $59.8M | $25.2M | 236% | $0 |
| Q3 2024 | $383.0M | $64.7M | $23.4M | 231% | $0 |
| Q2 2024 | $388.6M | $89.9M | $21.3M | 248% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Richwood Banking CompanyCommunity Bank · Richwood · $441.5M CRE book
- First Service BankCommunity Bank · Greenbrier · $442.7M CRE book
- Katahdin Trust CompanyCommunity Bank · Patten · $445.7M CRE book
- Capital BankCommunity Bank · Jacinto City · $446.1M CRE book
- Liberty National BankCommunity Bank · Lawton · $435.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.