MN lenders / Community Bank
FM Bank
Community Bank · Waseca, MN · Independent Bancshares Inc
- Total assets
- $702.6M
- CRE loan book
- $90.4M
- QoQ CRE growth
- 6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.17% as of Q1 2026 — TX bank median 4.87% (1.30pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.17% | 6.39% |
| Q4 2025 | 6.22% | 6.57% |
| Q3 2025 | 6.18% | 6.59% |
| Q2 2025 | 6.05% | 6.47% |
| Q1 2025 | 5.98% | 6.33% |
| Q4 2024 | 5.90% | 6.50% |
| Q3 2024 | 5.81% | 6.53% |
| Q2 2024 | 5.58% | 6.42% |
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 | $90.4M | $27.8M | $14.0M | 100% | $0 |
| Q4 2025 | $85.3M | $25.3M | $11.7M | 95% | $0 |
| Q3 2025 | $80.7M | $23.7M | $12.3M | 89% | $0 |
| Q2 2025 | $71.8M | $23.9M | $5.9M | 81% | $0 |
| Q1 2025 | $68.8M | $21.2M | $5.7M | 78% | $0 |
| Q4 2024 | $64.1M | $20.8M | $2.9M | 71% | $0 |
| Q3 2024 | $59.9M | $18.2M | $3.0M | 64% | $0 |
| Q2 2024 | $56.5M | $16.0M | $3.0M | 60% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Town Center BankCommunity Bank · Frankfort · $90.1M CRE book
- Minnstar Bank National AssociationCommunity Bank · Lake Crystal · $90.6M CRE book
- North Brookfield Savings BankCommunity Bank · North Brookfield · $89.8M CRE book
- Bank of MiltonCommunity Bank · Milton · $89.4M CRE book
- Security State BankCommunity Bank · Basin · $89.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.