MO lenders / Community Bank
Farmers Bank of Northern Missouri
Community Bank · Unionville, MO · Northern Mo Bancshares Inc
- Total assets
- $568.6M
- CRE loan book
- $36.3M
- QoQ CRE growth
- 6.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.08% as of Q1 2026 — TX bank median 4.87% (2.21pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.08% | 7.08% |
| Q4 2025 | 7.22% | 7.32% |
| Q3 2025 | 7.28% | 7.42% |
| Q2 2025 | 7.27% | 7.40% |
| Q1 2025 | 6.99% | 7.19% |
| Q4 2024 | 7.13% | 7.32% |
| Q3 2024 | 7.22% | 7.49% |
| Q2 2024 | 6.96% | 7.23% |
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 | $36.3M | $7.8M | $0 | 28% | $153,000 |
| Q4 2025 | $34.3M | $8.1M | $0 | 26% | $140,000 |
| Q3 2025 | $32.8M | $8.5M | $0 | 24% | $140,000 |
| Q2 2025 | $33.9M | $8.0M | $0 | 24% | $140,000 |
| Q1 2025 | $30.7M | $7.2M | $0 | 21% | $112,000 |
| Q4 2024 | $29.1M | $7.2M | $0 | 20% | $113,000 |
| Q3 2024 | $29.1M | $6.0M | $0 | 21% | $48,000 |
| Q2 2024 | $27.5M | $4.7M | $0 | 19% | $53,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Iowa State BankCommunity Bank · Sac City · $36.5M CRE book
- The Hamler State BankCommunity Bank · Hamler · $36.5M CRE book
- Community Bank of CameronCommunity Bank · Cameron · $36.7M CRE book
- First State Bank of PorterCommunity Bank · Porter · $36.7M CRE book
- The Cleveland State BankCommunity Bank · Cleveland · $35.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.