MO lenders / Community Bank
Bank of Monticello
Community Bank · Monticello, MO · Monticello Bancshares Inc
- Total assets
- $156.5M
- CRE loan book
- $17.1M
- QoQ CRE growth
- 5.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.60% as of Q1 2026 — TX bank median 4.87% (1.74pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.60% | 7.23% |
| Q4 2025 | 6.90% | 7.66% |
| Q3 2025 | 7.41% | 7.84% |
| Q2 2025 | 7.09% | 7.66% |
| Q1 2025 | 6.76% | 7.37% |
| Q4 2024 | 7.07% | 6.92% |
| Q3 2024 | 7.11% | 7.76% |
| Q2 2024 | 6.87% | 7.57% |
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 | $17.1M | $793,000 | $0 | 40% | $2.0M |
| Q4 2025 | $16.2M | $277,000 | $0 | 33% | $2.0M |
| Q3 2025 | $15.2M | $498,000 | $0 | 37% | $2.0M |
| Q2 2025 | $14.6M | $647,000 | $0 | 36% | $2.0M |
| Q1 2025 | $10.7M | $534,000 | $0 | 34% | $2.0M |
| Q4 2024 | $11.7M | $1.2M | $0 | 38% | $2.0M |
| Q3 2024 | $10.9M | $1.1M | $0 | 36% | $19,000 |
| Q2 2024 | $10.3M | $501,000 | $0 | 33% | $19,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Wells River Savings BankCommunity Bank · Wells River · $17.1M CRE book
- State Savings BankCommunity Bank · Bedford · $17.0M CRE book
- Guaranty State Bank and Trust CompanyCommunity Bank · Beloit · $17.1M CRE book
- Elysian BankCommunity Bank · Elysian · $17.1M CRE book
- Farmers Savings Bank & TrustCommunity Bank · Traer · $16.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.