MN lenders / Community Bank
Hometown Community Bank
Community Bank · Cyrus, MN · Cyrus Bancshares Inc
- Total assets
- $103.1M
- CRE loan book
- $37.4M
- QoQ CRE growth
- 3.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.58% as of Q1 2026 — TX bank median 4.87% (0.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.58% | 6.24% |
| Q4 2025 | 5.76% | 6.33% |
| Q3 2025 | 5.45% | 6.10% |
| Q2 2025 | 5.34% | 6.02% |
| Q1 2025 | 5.36% | 5.88% |
| Q4 2024 | 5.47% | 5.96% |
| Q3 2024 | 5.29% | 5.83% |
| Q2 2024 | 4.90% | 5.51% |
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 | $37.4M | $3.8M | $9.9M | 211% | $0 |
| Q4 2025 | $36.1M | $3.0M | $8.3M | 207% | $0 |
| Q3 2025 | $33.6M | $2.1M | $7.9M | 186% | $0 |
| Q2 2025 | $33.8M | $1.2M | $7.7M | 181% | $0 |
| Q1 2025 | $32.5M | $1.1M | $6.4M | 167% | $0 |
| Q4 2024 | $31.7M | $1.1M | $6.2M | 169% | $0 |
| Q3 2024 | $31.0M | $1.0M | $5.9M | 159% | $0 |
| Q2 2024 | $30.5M | $462,000 | $5.8M | 153% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Pine River State BankCommunity Bank · Pine River · $37.5M CRE book
- Bank of UticaCommunity Bank · Utica · $37.6M CRE book
- Petefish, Skiles & Co.Community Bank · Virginia · $37.3M CRE book
- Citizens State Bank of LulingCommunity Bank · Luling · $37.1M CRE book
- Malvern BankCommunity Bank · Malvern · $37.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.