MO lenders / Community Bank
Citizens Bank & Trust
Community Bank · Rock Port, MO
- Total assets
- $111.3M
- CRE loan book
- $10.3M
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.50% as of Q1 2026 — TX bank median 4.87% (1.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.50% | 6.65% |
| Q4 2025 | 8.47% | 8.00% |
| Q3 2025 | 4.47% | 5.36% |
| Q2 2025 | 6.55% | 6.78% |
| Q1 2025 | 5.82% | 6.11% |
| Q4 2024 | 6.28% | 6.52% |
| Q3 2024 | 6.35% | 6.65% |
| Q2 2024 | 6.14% | 6.46% |
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 | $10.3M | $1.5M | $277,000 | 73% | $0 |
| Q4 2025 | $10.2M | $1.4M | $284,000 | 73% | $0 |
| Q3 2025 | $9.8M | $1.5M | $291,000 | 71% | $0 |
| Q2 2025 | $9.5M | $1.4M | $297,000 | 70% | $0 |
| Q1 2025 | $10.6M | $1.6M | $301,000 | 79% | $200,000 |
| Q4 2024 | $10.3M | $1.6M | $306,000 | 77% | $0 |
| Q3 2024 | $10.4M | $1.5M | $311,000 | 77% | $0 |
| Q2 2024 | $10.5M | $1.6M | $316,000 | 79% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The State BankCommunity Bank · Spirit Lake · $10.3M CRE book
- United Bank and Trust CompanyCommunity Bank · Hampton · $10.3M CRE book
- The First National Bank in CimarronCommunity Bank · Cimarron · $10.3M CRE book
- Farmers National BankCommunity Bank · Phillipsburg · $10.4M CRE book
- Perennial BankCommunity Bank · Darwin · $10.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.