MN lenders / Community Bank
Grand Rapids State Bank
Community Bank · Grand Rapids, MN · Wilcox Bancshares Inc
- Total assets
- $257.1M
- CRE loan book
- $91.8M
- QoQ CRE growth
- 1.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.48% as of Q1 2026 — TX bank median 4.87% (2.62pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.48% | 7.56% |
| Q4 2025 | 7.35% | 7.38% |
| Q3 2025 | 7.48% | 7.36% |
| Q2 2025 | 7.12% | 7.04% |
| Q1 2025 | 6.85% | 6.93% |
| Q4 2024 | 6.77% | 7.01% |
| Q3 2024 | 6.67% | 6.83% |
| Q2 2024 | 6.39% | 6.66% |
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 | $91.8M | $19.9M | $12.4M | 196% | $0 |
| Q4 2025 | $90.3M | $19.6M | $10.8M | 193% | $0 |
| Q3 2025 | $95.9M | $19.0M | $10.9M | 181% | $0 |
| Q2 2025 | $95.7M | $17.6M | $8.8M | 172% | $0 |
| Q1 2025 | $101.3M | $18.8M | $8.9M | 185% | $0 |
| Q4 2024 | $98.3M | $16.7M | $8.9M | 174% | $0 |
| Q3 2024 | $96.1M | $15.4M | $9.8M | 177% | $0 |
| Q2 2024 | $95.7M | $15.8M | $9.9M | 185% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Gunnison Bank and Trust CompanyCommunity Bank · Gunnison · $91.5M CRE book
- Unity Bank of MississippiCommunity Bank · Holly Springs · $92.7M CRE book
- Bank of the ValleyCommunity Bank · Bellwood · $92.9M CRE book
- Minnstar Bank National AssociationCommunity Bank · Lake Crystal · $90.6M CRE book
- Bank MichiganCommunity Bank · Brooklyn · $93.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.