MN lenders / Community Bank
Citizens Bank & Trust Co.
Community Bank · Hutchinson, MN · Citizens Bancshares Hutchinson
- Total assets
- $310.0M
- CRE loan book
- $42.8M
- QoQ CRE growth
- 1.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.31% as of Q1 2026 — TX bank median 4.87% (1.44pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.31% | 5.90% |
| Q4 2025 | 6.28% | 6.03% |
| Q3 2025 | 6.15% | 5.89% |
| Q2 2025 | 6.09% | 5.93% |
| Q1 2025 | 5.94% | 5.83% |
| Q4 2024 | 5.86% | 5.75% |
| Q3 2024 | 5.62% | 5.73% |
| Q2 2024 | 5.28% | 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 | $42.8M | $220,000 | $0 | 31% | $306,000 |
| Q4 2025 | $42.4M | $571,000 | $0 | 31% | $306,000 |
| Q3 2025 | $39.2M | $333,000 | $0 | 31% | $306,000 |
| Q2 2025 | $38.6M | $347,000 | $0 | 29% | $306,000 |
| Q1 2025 | $40.4M | $1.3M | $0 | 38% | $316,000 |
| Q4 2024 | $40.7M | $861,000 | $0 | 43% | $323,000 |
| Q3 2024 | $41.0M | $350,000 | $0 | 42% | $335,000 |
| Q2 2024 | $43.7M | $0 | $0 | 44% | $346,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- FNB BankCommunity Bank · Goodland · $42.8M CRE book
- Illini State BankCommunity Bank · Oglesby · $42.8M CRE book
- Feliciana Bank & Trust CompanyCommunity Bank · Clinton · $42.6M CRE book
- Lake Central BankCommunity Bank · Annandale · $43.1M CRE book
- United Community BankCommunity Bank · Milford · $43.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.