MN lenders / Community Bank
Perennial Bank
Community Bank · Darwin, MN · Darwin Bancshares Inc
- Total assets
- $155.9M
- CRE loan book
- $10.2M
- QoQ CRE growth
- -2.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.37% as of Q1 2026 — TX bank median 4.87% (0.50pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.37% | 5.77% |
| Q4 2025 | 5.57% | 6.01% |
| Q3 2025 | 5.42% | 5.83% |
| Q2 2025 | 5.36% | 5.84% |
| Q1 2025 | 5.21% | 5.61% |
| Q4 2024 | 5.31% | 5.75% |
| Q3 2024 | 5.23% | 5.67% |
| Q2 2024 | 4.99% | 5.54% |
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 | $10.2M | $4.2M | $499,000 | 29% | $0 |
| Q4 2025 | $10.4M | $4.1M | $505,000 | 30% | $0 |
| Q3 2025 | $10.1M | $3.8M | $510,000 | 28% | $0 |
| Q2 2025 | $10.7M | $4.6M | $91,000 | 31% | $0 |
| Q1 2025 | $9.7M | $4.2M | $94,000 | 29% | $0 |
| Q4 2024 | $9.5M | $4.1M | $98,000 | 29% | $0 |
| Q3 2024 | $8.9M | $3.5M | $102,000 | 25% | $0 |
| Q2 2024 | $8.3M | $2.9M | $106,000 | 21% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First National Bank in CimarronCommunity Bank · Cimarron · $10.3M CRE book
- Bank of New MadridCommunity Bank · New Madrid · $10.1M CRE book
- United Bank and Trust CompanyCommunity Bank · Hampton · $10.3M CRE book
- The State BankCommunity Bank · Spirit Lake · $10.3M CRE book
- Citizens Bank & TrustCommunity Bank · Rock Port · $10.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.