MN lenders / Community Bank
North Shore Bank of Commerce
Community Bank · Duluth, MN · North Shore Financial Corp
- Total assets
- $580.8M
- CRE loan book
- $148.3M
- QoQ CRE growth
- 2.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.24% as of Q1 2026 — TX bank median 4.87% (1.37pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.24% | 6.33% |
| Q4 2025 | 6.50% | 6.57% |
| Q3 2025 | 6.46% | 6.52% |
| Q2 2025 | 6.22% | 6.30% |
| Q1 2025 | 5.90% | 6.00% |
| Q4 2024 | 6.28% | 6.36% |
| Q3 2024 | 6.23% | 6.32% |
| Q2 2024 | 5.89% | 6.00% |
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 | $148.3M | $32.5M | $29.9M | 208% | $658,000 |
| Q4 2025 | $144.2M | $28.9M | $30.6M | 203% | $0 |
| Q3 2025 | $141.5M | $28.0M | $31.1M | 210% | $0 |
| Q2 2025 | $137.6M | $28.6M | $29.0M | 213% | $0 |
| Q1 2025 | $136.9M | $29.7M | $29.4M | 204% | $0 |
| Q4 2024 | $139.0M | $31.5M | $29.6M | 209% | $0 |
| Q3 2024 | $136.7M | $28.1M | $29.7M | 231% | $0 |
| Q2 2024 | $144.5M | $36.5M | $28.7M | 257% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Callaway BankCommunity Bank · Fulton · $148.1M CRE book
- Century BankCommunity Bank · Lucedale · $147.4M CRE book
- The Missouri BankCommunity Bank · Warrenton · $150.0M CRE book
- The Colorado Bank and Trust Company of La JuntaCommunity Bank · La Junta · $150.2M CRE book
- Global BankCommunity Bank · New York · $145.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.