MN lenders / Community Bank
The Northern State Bank of Gonvick
Community Bank · Gonvick, MN
- Total assets
- $53.5M
- CRE loan book
- $3.8M
- QoQ CRE growth
- 18.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.72% as of Q1 2026 — TX bank median 4.87% (0.85pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.72% | 6.42% |
| Q4 2025 | 5.79% | 6.48% |
| Q3 2025 | 5.74% | 6.59% |
| Q2 2025 | 5.55% | 6.43% |
| Q1 2025 | 4.93% | 5.95% |
| Q4 2024 | 5.37% | 6.17% |
| Q3 2024 | 5.65% | 6.38% |
| Q2 2024 | 5.14% | 5.87% |
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 | $3.8M | $168,000 | $0 | 10% | $0 |
| Q4 2025 | $3.2M | $171,000 | $0 | 9% | $0 |
| Q3 2025 | $2.6M | $176,000 | $0 | 9% | $0 |
| Q2 2025 | $2.7M | $155,000 | $0 | 11% | $0 |
| Q1 2025 | $2.7M | $158,000 | $0 | 11% | $0 |
| Q4 2024 | $2.5M | $88,000 | $0 | 8% | $0 |
| Q3 2024 | $2.0M | $90,000 | $0 | 4% | $0 |
| Q2 2024 | $2.0M | $110,000 | $0 | 4% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants State Bank of BushnellCommunity Bank · Bushnell · $3.8M CRE book
- Anderson State BankCommunity Bank · Oneida · $3.9M CRE book
- First State Bank of GolvaCommunity Bank · Golva · $3.7M CRE book
- First Bank of UticaCommunity Bank · Utica · $3.7M CRE book
- Integrity BankCommunity Bank · Fowler · $3.9M CRE book
See all alternatives to The Northern State Bank of Gonvick →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.