MN lenders / Community Bank
Wadena State Bank
Community Bank · Wadena, MN · Wadena Bankshares Inc
- Total assets
- $204.5M
- CRE loan book
- $30.3M
- QoQ CRE growth
- 1.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.85% as of Q1 2026 — TX bank median 4.87% (1.98pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.85% | 6.96% |
| Q4 2025 | 7.19% | 7.27% |
| Q3 2025 | 7.08% | 7.14% |
| Q2 2025 | 6.83% | 6.94% |
| Q1 2025 | 6.52% | 6.73% |
| Q4 2024 | 6.84% | 6.99% |
| Q3 2024 | 6.86% | 6.97% |
| Q2 2024 | 6.72% | 6.60% |
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 | $30.3M | $3.6M | $2.1M | 74% | $0 |
| Q4 2025 | $29.9M | $3.6M | $2.2M | 67% | $102,000 |
| Q3 2025 | $33.1M | $6.9M | $2.8M | 86% | $0 |
| Q2 2025 | $32.6M | $6.1M | $2.9M | 97% | $0 |
| Q1 2025 | $30.6M | $5.3M | $2.8M | 97% | $5,000 |
| Q4 2024 | $31.6M | $4.8M | $2.5M | 78% | $230,000 |
| Q3 2024 | $31.2M | $4.1M | $2.5M | 78% | $0 |
| Q2 2024 | $29.8M | $3.4M | $2.5M | 73% | $194,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.