MN lenders / Community Bank
First State Bank and Trust
Community Bank · Bayport, MN · Universal Finl Services Inc
- Total assets
- $471.0M
- CRE loan book
- $129.9M
- QoQ CRE growth
- 5.4%
- 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% | 5.99% |
| Q4 2025 | 6.15% | 6.20% |
| Q3 2025 | 6.05% | 6.16% |
| Q2 2025 | 5.87% | 5.99% |
| Q1 2025 | 5.70% | 5.83% |
| Q4 2024 | 5.87% | 5.96% |
| Q3 2024 | 5.59% | 5.78% |
| Q2 2024 | 5.44% | 5.64% |
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 | $129.9M | $24.3M | $13.7M | 188% | $0 |
| Q4 2025 | $123.3M | $24.1M | $12.5M | 183% | $0 |
| Q3 2025 | $126.6M | $26.1M | $13.5M | 195% | $0 |
| Q2 2025 | $132.8M | $33.3M | $13.5M | 217% | $0 |
| Q1 2025 | $123.3M | $30.7M | $13.7M | 212% | $0 |
| Q4 2024 | $111.5M | $30.8M | $13.8M | 192% | $0 |
| Q3 2024 | $105.4M | $24.2M | $11.9M | 176% | $0 |
| Q2 2024 | $100.5M | $22.3M | $11.0M | 169% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National Bank of ScotiaCommunity Bank · Scotia · $129.9M CRE book
- PrinsBankCommunity Bank · Prinsburg · $130.2M CRE book
- Farmers State Bank of Alto Pass, Ill.Community Bank · Alto Pass · $130.3M CRE book
- Lone Star BankCommunity Bank · Houston · $128.6M CRE book
- Midstates Bank, National AssociationCommunity Bank · Council Bluffs · $132.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.