MN lenders / Community Bank
Lake Central Bank
Community Bank · Annandale, MN · Lake Central Financial Inc
- Total assets
- $282.5M
- CRE loan book
- $43.1M
- QoQ CRE growth
- -8.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.59% as of Q1 2026 — TX bank median 4.87% (1.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.59% | 6.18% |
| Q4 2025 | 6.54% | 6.34% |
| Q3 2025 | 6.31% | 6.42% |
| Q2 2025 | 5.91% | 6.35% |
| Q1 2025 | 5.89% | 6.28% |
| Q4 2024 | 5.91% | 6.33% |
| Q3 2024 | 5.65% | 6.16% |
| Q2 2024 | 7.47% | 6.75% |
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 | $43.1M | $14.2M | $6.5M | 94% | $0 |
| Q4 2025 | $46.9M | $14.3M | $6.4M | 95% | $0 |
| Q3 2025 | $44.0M | $12.2M | $6.1M | 92% | $0 |
| Q2 2025 | $43.3M | $11.9M | $5.2M | 92% | $0 |
| Q1 2025 | $40.5M | $10.2M | $3.8M | 85% | $0 |
| Q4 2024 | $40.2M | $10.0M | $2.8M | 80% | $0 |
| Q3 2024 | $41.5M | $9.5M | $2.6M | 89% | $0 |
| Q2 2024 | $38.0M | $6.1M | $2.6M | 80% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- United Community BankCommunity Bank · Milford · $43.1M CRE book
- Citizens Bank & Trust Co.Community Bank · Hutchinson · $42.8M CRE book
- FNB BankCommunity Bank · Goodland · $42.8M CRE book
- Illini State BankCommunity Bank · Oglesby · $42.8M CRE book
- Feliciana Bank & Trust CompanyCommunity Bank · Clinton · $42.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.