MN lenders / Community Bank
State Bank of Cold Spring
Community Bank · Cold Spring, MN · Lindell Bancshares Inc
- Total assets
- $78.9M
- CRE loan book
- $5.1M
- QoQ CRE growth
- -9.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.59% as of Q1 2026 — TX bank median 4.87% (1.73pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.59% | 6.66% |
| Q4 2025 | 5.77% | 5.92% |
| Q3 2025 | 6.09% | 6.19% |
| Q2 2025 | 6.02% | 6.16% |
| Q1 2025 | 6.04% | 6.20% |
| Q4 2024 | 6.12% | 6.16% |
| Q3 2024 | 6.09% | 6.21% |
| Q2 2024 | 5.78% | 5.95% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $5.1M | $1.4M | $0 | 26% | $65,000 |
| Q4 2025 | $5.7M | $1.7M | $0 | 30% | $65,000 |
| Q3 2025 | $6.1M | $2.1M | $0 | 36% | $0 |
| Q2 2025 | $5.9M | $1.9M | $0 | 35% | $86,000 |
| Q1 2025 | $5.9M | $2.3M | $0 | 40% | $89,000 |
| Q4 2024 | $5.9M | $2.2M | $0 | 39% | $3,000 |
| Q3 2024 | $6.2M | $2.1M | $0 | 39% | $3,000 |
| Q2 2024 | $5.4M | $1.8M | $0 | 35% | $4,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Dewey BankCommunity Bank · Dewey · $5.2M CRE book
- Mayville State BankCommunity Bank · Mayville · $5.2M CRE book
- Commercial BankCommunity Bank · Nelson · $5.2M CRE book
- The Riley State Bank of Riley, KansasCommunity Bank · Riley · $5.2M CRE book
- Farmers State Bank of Western IllinoisCommunity Bank · Alpha · $5.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.