MN lenders / Community Bank
ESB Bank
Community Bank · Caledonia, MN · Eitzen Independents Inc
- Total assets
- $198.1M
- CRE loan book
- $32.2M
- QoQ CRE growth
- 0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 4.87% (1.16pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.56% |
| Q4 2025 | 6.19% | 6.85% |
| Q3 2025 | 6.23% | 6.80% |
| Q2 2025 | 6.07% | 6.62% |
| Q1 2025 | 5.95% | 6.55% |
| Q4 2024 | 6.29% | 6.73% |
| Q3 2024 | 6.13% | 6.76% |
| Q2 2024 | 5.98% | 6.61% |
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 | $32.2M | $3.6M | $6.4M | 137% | $0 |
| Q4 2025 | $32.0M | $3.3M | $6.5M | 139% | $0 |
| Q3 2025 | $33.1M | $3.9M | $5.9M | 141% | $0 |
| Q2 2025 | $32.1M | $3.8M | $6.1M | 133% | $0 |
| Q1 2025 | $30.2M | $3.2M | $5.1M | 122% | $476,000 |
| Q4 2024 | $26.9M | $2.9M | $4.7M | 108% | $476,000 |
| Q3 2024 | $28.4M | $4.6M | $4.7M | 119% | $0 |
| Q2 2024 | $27.1M | $3.8M | $4.8M | 111% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Lee Bank and Trust CompanyCommunity Bank · Pennington Gap · $32.0M CRE book
- Anchor D BankCommunity Bank · Texhoma · $32.0M CRE book
- Citizens State Bank of RoseauCommunity Bank · Roseau · $31.8M CRE book
- The Bank of VersaillesCommunity Bank · Versailles · $31.8M CRE book
- Planters and Citizens BankCommunity Bank · Camilla · $31.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.