MN lenders / Community Bank
Minnstar Bank National Association
Community Bank · Lake Crystal, MN · Lake Crystal Bcorp Inc
- Total assets
- $197.4M
- CRE loan book
- $90.6M
- QoQ CRE growth
- 10.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.04% as of Q1 2026 — TX bank median 4.87% (1.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.04% | 6.20% |
| Q4 2025 | 5.73% | 5.99% |
| Q3 2025 | 5.78% | 6.16% |
| Q2 2025 | 5.59% | 5.96% |
| Q1 2025 | 5.60% | 5.95% |
| Q4 2024 | 5.51% | 5.80% |
| Q3 2024 | 5.47% | 5.98% |
| Q2 2024 | 5.36% | 5.87% |
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 | $90.6M | $13.2M | $10.9M | 255% | $628,000 |
| Q4 2025 | $82.1M | $13.3M | $11.1M | 236% | $628,000 |
| Q3 2025 | $79.4M | $11.2M | $9.9M | 231% | $0 |
| Q2 2025 | $82.3M | $10.7M | $12.8M | 244% | $0 |
| Q1 2025 | $84.9M | $9.8M | $12.4M | 253% | $0 |
| Q4 2024 | $86.5M | $9.7M | $13.4M | 267% | $0 |
| Q3 2024 | $86.3M | $9.6M | $13.5M | 271% | $0 |
| Q2 2024 | $90.3M | $12.9M | $12.5M | 292% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- FM BankCommunity Bank · Waseca · $90.4M CRE book
- Town Center BankCommunity Bank · Frankfort · $90.1M CRE book
- North Brookfield Savings BankCommunity Bank · North Brookfield · $89.8M CRE book
- The Gunnison Bank and Trust CompanyCommunity Bank · Gunnison · $91.5M CRE book
- Grand Rapids State BankCommunity Bank · Grand Rapids · $91.8M CRE book
See all alternatives to Minnstar Bank National Association →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.