MN lenders / Community Bank
Farmers and Merchants State Bank of Alpha
Community Bank · Alpha, MN
- Total assets
- $48.3M
- CRE loan book
- $6.5M
- QoQ CRE growth
- 1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.90% as of Q1 2026 — TX bank median 4.87% (1.04pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.90% | 6.38% |
| Q4 2025 | 6.63% | 6.69% |
| Q3 2025 | 6.23% | 6.64% |
| Q2 2025 | 6.02% | 6.55% |
| Q1 2025 | 5.65% | 6.35% |
| Q4 2024 | 5.75% | 6.50% |
| Q3 2024 | 5.99% | 6.42% |
| Q2 2024 | 5.28% | 6.24% |
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 | $6.5M | $1.4M | $938,000 | 78% | $0 |
| Q4 2025 | $6.4M | $1.3M | $950,000 | 77% | $0 |
| Q3 2025 | $5.5M | $1.0M | $613,000 | 65% | $0 |
| Q2 2025 | $5.4M | $959,000 | $1.1M | 75% | $0 |
| Q1 2025 | $5.9M | $1.3M | $1.1M | 81% | $0 |
| Q4 2024 | $6.1M | $1.3M | $1.1M | 83% | $0 |
| Q3 2024 | $6.4M | $1.2M | $994,000 | 70% | $457,000 |
| Q2 2024 | $6.7M | $1.2M | $1.0M | 81% | $457,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of SalemCommunity Bank · Salem · $6.6M CRE book
- Generations BankCommunity Bank · Exeter · $6.3M CRE book
- First State Bank MinnesotaCommunity Bank · Le Roy · $6.3M CRE book
- Anchor State BankCommunity Bank · Anchor · $6.8M CRE book
- The Corn City State BankCommunity Bank · Deshler · $6.2M CRE book
See all alternatives to Farmers and Merchants State Bank of Alpha →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.