MN lenders / Community Bank
Prime Security Bank
Community Bank · Karlstad, MN · North State Bancshares Inc
- Total assets
- $148.6M
- CRE loan book
- $81.9M
- QoQ CRE growth
- 2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.47% as of Q1 2026 — TX bank median 4.87% (1.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.47% | 6.50% |
| Q4 2025 | 6.40% | 6.45% |
| Q3 2025 | 6.75% | 6.75% |
| Q2 2025 | 6.49% | 6.51% |
| Q1 2025 | 6.03% | 6.09% |
| Q4 2024 | 6.18% | 6.29% |
| Q3 2024 | 6.20% | 6.29% |
| Q2 2024 | 5.88% | 5.96% |
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 | $81.9M | $5.3M | $16.0M | 464% | $0 |
| Q4 2025 | $80.1M | $4.3M | $16.1M | 453% | $550,000 |
| Q3 2025 | $79.2M | $3.8M | $15.9M | 456% | $550,000 |
| Q2 2025 | $78.4M | $4.4M | $13.4M | 452% | $550,000 |
| Q1 2025 | $78.9M | $3.9M | $16.0M | 497% | $550,000 |
| Q4 2024 | $76.2M | $4.5M | $16.1M | 490% | $550,000 |
| Q3 2024 | $73.1M | $5.7M | $16.1M | 473% | $1.4M |
| Q2 2024 | $74.6M | $6.8M | $15.7M | 485% | $1.9M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Center · $81.4M CRE book
- Solutions BankCommunity Bank · Forreston · $81.3M CRE book
- Midwest Heritage Bank, FSBCommunity Bank · West Des Moines · $81.1M CRE book
- City Bank & Trust Co.Community Bank · Natchitoches · $82.8M CRE book
- The Clinton National BankCommunity Bank · Clinton · $82.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.