MN lenders / Community Bank
Root River State Bank
Community Bank · Chatfield, MN · Johnson Bancshares Inc
- Total assets
- $88.0M
- CRE loan book
- $3.4M
- QoQ CRE growth
- -1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 4.96% as of Q1 2026 — TX bank median 4.87% (0.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 4.96% | 5.58% |
| Q4 2025 | 5.08% | 5.69% |
| Q3 2025 | 4.94% | 5.69% |
| Q2 2025 | 4.78% | 5.59% |
| Q1 2025 | 4.67% | 5.31% |
| Q4 2024 | 4.78% | 5.36% |
| Q3 2024 | 4.56% | 5.40% |
| Q2 2024 | 4.32% | 5.10% |
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 | $3.4M | $250,000 | $675,000 | 11% | $0 |
| Q4 2025 | $3.5M | $250,000 | $685,000 | 11% | $0 |
| Q3 2025 | $3.8M | $515,000 | $695,000 | 14% | $0 |
| Q2 2025 | $4.0M | $491,000 | $706,000 | 17% | $0 |
| Q1 2025 | $3.9M | $391,000 | $716,000 | 16% | $0 |
| Q4 2024 | $3.9M | $286,000 | $725,000 | 15% | $0 |
| Q3 2024 | $4.0M | $106,000 | $733,000 | 13% | $0 |
| Q2 2024 | $4.2M | $241,000 | $741,000 | 15% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Raritan State BankCommunity Bank · Raritan · $3.5M CRE book
- Bank of ViciCommunity Bank · Vici · $3.3M CRE book
- First National Bank in FredoniaCommunity Bank · Fredonia · $3.3M CRE book
- Swedish-American State BankCommunity Bank · Courtland · $3.6M CRE book
- Farmers Bank & TrustCommunity Bank · Atwood · $3.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.