MN lenders / Community Bank
Citizens State Bank of Roseau
Community Bank · Roseau, MN · Roseau Realty Co Inc
- Total assets
- $286.0M
- CRE loan book
- $31.8M
- QoQ CRE growth
- 1.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.45% as of Q1 2026 — TX bank median 4.87% (1.58pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.45% | 6.42% |
| Q4 2025 | 6.65% | 6.57% |
| Q3 2025 | 6.69% | 6.66% |
| Q2 2025 | 6.47% | 6.53% |
| Q1 2025 | 6.17% | 6.20% |
| Q4 2024 | 6.21% | 6.51% |
| Q3 2024 | 6.36% | 6.47% |
| Q2 2024 | 5.87% | 6.25% |
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 | $31.8M | $6.7M | $6.2M | 40% | $111,000 |
| Q4 2025 | $31.5M | $6.9M | $6.2M | 40% | $111,000 |
| Q3 2025 | $31.4M | $6.8M | $6.6M | 40% | $0 |
| Q2 2025 | $31.4M | $7.3M | $7.1M | 45% | $200,000 |
| Q1 2025 | $28.7M | $7.4M | $7.4M | 48% | $354,000 |
| Q4 2024 | $29.9M | $7.9M | $7.9M | 51% | $525,000 |
| Q3 2024 | $30.8M | $8.4M | $9.0M | 55% | $622,000 |
| Q2 2024 | $29.8M | $8.7M | $8.4M | 55% | $665,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Bank of VersaillesCommunity Bank · Versailles · $31.8M CRE book
- Planters and Citizens BankCommunity Bank · Camilla · $31.7M CRE book
- The First National Bank and Trust Company of MiamiCommunity Bank · Miami · $31.7M CRE book
- Anchor D BankCommunity Bank · Texhoma · $32.0M CRE book
- Lee Bank and Trust CompanyCommunity Bank · Pennington Gap · $32.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.