MO lenders / Community Bank
FMB Bank
Community Bank · Wright City, MO · Farmers&Merchants Bancshares
- Total assets
- $53.2M
- CRE loan book
- $4.7M
- QoQ CRE growth
- 1.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.59% as of Q1 2026 — TX bank median 4.87% (1.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.59% | 6.78% |
| Q4 2025 | 6.67% | 6.83% |
| Q3 2025 | 6.92% | 8.53% |
| Q2 2025 | 7.33% | 7.01% |
| Q1 2025 | 6.50% | 6.71% |
| Q4 2024 | 6.90% | 7.04% |
| Q3 2024 | 6.74% | 7.05% |
| Q2 2024 | 6.61% | 6.79% |
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 | $4.7M | $0 | $0 | 46% | $0 |
| Q4 2025 | $4.6M | $0 | $0 | 43% | $0 |
| Q3 2025 | $4.8M | $338,000 | $0 | 46% | $0 |
| Q2 2025 | $4.9M | $340,000 | $0 | 51% | $0 |
| Q1 2025 | $4.0M | $0 | $0 | 40% | $0 |
| Q4 2024 | $3.4M | $0 | $0 | 41% | $0 |
| Q3 2024 | $4.0M | $129,000 | $0 | 50% | $0 |
| Q2 2024 | $4.0M | $91,000 | $0 | 50% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Grand Rivers Community BankCommunity Bank · Grand Chain · $4.7M CRE book
- Farmers and Merchants Bank of Mound City, KansasCommunity Bank · Mound City · $4.7M CRE book
- Welcome State BankCommunity Bank · Welcome · $4.6M CRE book
- Citizens Community BankCommunity Bank · Pilot Grove · $4.6M CRE book
- Farmers State Bank, Allen, OklahomaCommunity Bank · Allen · $4.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.