MO lenders / Community Bank
First State Bank and Trust Company, Inc.
Community Bank · Caruthersville, MO · First St Bcorp Combined Retirement Benefit Plan
- Total assets
- $644.5M
- CRE loan book
- $153.8M
- QoQ CRE growth
- 3.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.51% as of Q1 2026 — TX bank median 4.87% (1.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.51% | 7.04% |
| Q4 2025 | 6.88% | 7.43% |
| Q3 2025 | 6.94% | 7.54% |
| Q2 2025 | 6.92% | 7.32% |
| Q1 2025 | 6.92% | 7.36% |
| Q4 2024 | 6.71% | 7.46% |
| Q3 2024 | 6.75% | 7.49% |
| Q2 2024 | 6.72% | 7.28% |
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 | $153.8M | $58.5M | $4.7M | 148% | $3.0M |
| Q4 2025 | $148.3M | $57.8M | $4.8M | 143% | $2.9M |
| Q3 2025 | $143.8M | $57.3M | $2.9M | 142% | $3.1M |
| Q2 2025 | $144.4M | $57.2M | $2.0M | 146% | $3.4M |
| Q1 2025 | $155.0M | $57.2M | $1.8M | 160% | $72,000 |
| Q4 2024 | $164.2M | $58.4M | $5.6M | 164% | $4.0M |
| Q3 2024 | $159.3M | $55.9M | $5.7M | 159% | $4.1M |
| Q2 2024 | $155.4M | $50.9M | $5.7M | 157% | $3.9M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Shamrock Bank, N.A.Community Bank · Coalgate · $153.7M CRE book
- University BankCommunity Bank · Ann Arbor · $153.5M CRE book
- Springs Valley Bank & Trust CompanyCommunity Bank · French Lick · $154.3M CRE book
- Chelsea State BankCommunity Bank · Chelsea · $152.9M CRE book
- Central Savings BankCommunity Bank · Sault Sainte Marie · $151.8M CRE book
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Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.