MN lenders / Community Bank
Pine Country Bank
Community Bank · Little Falls, MN · Midcountry Acquisition Corp
- Total assets
- $388.0M
- CRE loan book
- $54.1M
- QoQ CRE growth
- 0.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.73% as of Q1 2026 — TX bank median 4.87% (1.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.73% | 6.78% |
| Q4 2025 | 7.48% | 7.03% |
| Q3 2025 | 6.68% | 6.79% |
| Q2 2025 | 6.59% | 6.83% |
| Q1 2025 | 7.43% | 8.00% |
| Q4 2024 | 6.54% | 6.96% |
| Q3 2024 | 6.22% | 6.77% |
| Q2 2024 | 6.17% | 6.71% |
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 | $54.1M | $12.1M | $943,000 | 80% | $0 |
| Q4 2025 | $53.9M | $11.3M | $945,000 | 80% | $0 |
| Q3 2025 | $49.7M | $11.0M | $947,000 | 73% | $149,000 |
| Q2 2025 | $46.2M | $8.8M | $949,000 | 70% | $149,000 |
| Q1 2025 | $45.3M | $8.7M | $952,000 | 62% | $149,000 |
| Q4 2024 | $37.0M | $3.6M | $0 | 69% | $0 |
| Q3 2024 | $32.8M | $3.6M | $0 | 50% | $0 |
| Q2 2024 | $34.4M | $3.3M | $0 | 60% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.