MN lenders / Community Bank
F & M Community Bank, National Association
Community Bank · Preston, MN · F&M Financial Services Inc
- Total assets
- $209.9M
- CRE loan book
- $48.5M
- QoQ CRE growth
- -0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.45% as of Q1 2026 — TX bank median 4.87% (0.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.45% | 5.67% |
| Q4 2025 | 5.48% | 5.73% |
| Q3 2025 | 5.43% | 5.73% |
| Q2 2025 | 5.44% | 5.78% |
| Q1 2025 | 5.17% | 5.45% |
| Q4 2024 | 5.28% | 5.54% |
| Q3 2024 | 5.16% | 5.48% |
| Q2 2024 | 5.04% | 5.45% |
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 | $48.5M | $2.6M | $7.0M | 132% | $0 |
| Q4 2025 | $48.9M | $2.4M | $7.0M | 130% | $0 |
| Q3 2025 | $44.5M | $2.3M | $6.4M | 110% | $0 |
| Q2 2025 | $44.2M | $1.8M | $6.5M | 110% | $0 |
| Q1 2025 | $44.0M | $1.3M | $6.6M | 111% | $0 |
| Q4 2024 | $45.0M | $1.9M | $7.1M | 116% | $0 |
| Q3 2024 | $45.4M | $2.5M | $7.2M | 121% | $0 |
| Q2 2024 | $47.2M | $3.8M | $7.3M | 129% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of Yazoo CityCommunity Bank · Yazoo City · $48.5M CRE book
- The Payne County BankCommunity Bank · Perkins · $48.6M CRE book
- Peoples State BankCommunity Bank · Shepherd · $49.1M CRE book
- Arrowhead BankCommunity Bank · Llano · $49.4M CRE book
- The Farmers State Bank of WaupacaCommunity Bank · Waupaca · $47.5M CRE book
See all alternatives to F & M Community Bank, National Association →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.