MN lenders / Community Bank
Farmers and Merchants State Bank of Pierz
Community Bank · Pierz, MN · Farmers&Merchants Agency Inc
- Total assets
- $331.0M
- CRE loan book
- $32.9M
- QoQ CRE growth
- -6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.47% as of Q1 2026 — TX bank median 4.87% (2.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.47% | 7.52% |
| Q4 2025 | 7.52% | 7.67% |
| Q3 2025 | 7.55% | 7.76% |
| Q2 2025 | 6.80% | 7.26% |
| Q1 2025 | 6.61% | 7.14% |
| Q4 2024 | 6.59% | 7.22% |
| Q3 2024 | 6.38% | 7.09% |
| Q2 2024 | 6.30% | 7.00% |
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 | $32.9M | $675,000 | $1.3M | 71% | $985,000 |
| Q4 2025 | $35.0M | $1.8M | $1.3M | 70% | $985,000 |
| Q3 2025 | $35.1M | $1.3M | $1.4M | 74% | $985,000 |
| Q2 2025 | $32.6M | $627,000 | $1.4M | 67% | $985,000 |
| Q1 2025 | $50.8M | $6.8M | $9.0M | 107% | $0 |
| Q4 2024 | $50.1M | $6.7M | $9.0M | 99% | $0 |
| Q3 2024 | $48.6M | $5.8M | $9.0M | 98% | $0 |
| Q2 2024 | $49.0M | $5.7M | $9.1M | 92% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of Commerce & Trust Co.Community Bank · Crowley · $33.0M CRE book
- Peoples Trust and Savings BankCommunity Bank · Boonville · $32.6M CRE book
- Community Point BankCommunity Bank · Russellville · $33.2M CRE book
- Apollo Trust CompanyCommunity Bank · Apollo · $33.2M CRE book
- Warren-Boynton State BankCommunity Bank · New Berlin · $33.3M CRE book
See all alternatives to Farmers and Merchants State Bank of Pierz →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.