MN lenders / Community Bank
Vermillion State Bank
Community Bank · Vermillion, MN · Vermillion Bancshares Inc
- Total assets
- $936.6M
- CRE loan book
- $114.0M
- QoQ CRE growth
- -3.1%
- 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% (1.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.59% | 6.48% |
| Q4 2025 | 6.91% | 6.86% |
| Q3 2025 | 6.91% | 6.85% |
| Q2 2025 | 6.67% | 6.83% |
| Q1 2025 | 6.60% | 6.74% |
| Q4 2024 | 6.58% | 6.87% |
| Q3 2024 | 6.56% | 6.85% |
| Q2 2024 | 6.38% | 6.76% |
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 | $114.0M | $3.3M | $239,000 | 19% | $0 |
| Q4 2025 | $117.7M | $3.4M | $239,000 | 19% | $0 |
| Q3 2025 | $112.3M | $3.7M | $227,000 | 20% | $0 |
| Q2 2025 | $113.6M | $3.8M | $227,000 | 21% | $0 |
| Q1 2025 | $115.1M | $4.3M | $201,000 | 22% | $0 |
| Q4 2024 | $113.8M | $4.3M | $168,000 | 23% | $0 |
| Q3 2024 | $111.1M | $4.4M | $155,000 | 21% | $0 |
| Q2 2024 | $112.0M | $4.5M | $160,000 | 21% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Union County Savings BankCommunity Bank · Elizabeth · $114.1M CRE book
- First Southern BankCommunity Bank · Waycross · $113.9M CRE book
- Owen County State BankCommunity Bank · Spencer · $113.4M CRE book
- Collins State BankCommunity Bank · Collins · $113.4M CRE book
- Texas Exchange BankCommunity Bank · Crowley · $114.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.