MO lenders / Community Bank
Focus Bank
Community Bank · Charleston, MO · Security State Bancshares Inc
- Total assets
- $885.8M
- CRE loan book
- $213.7M
- QoQ CRE growth
- -2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.66% as of Q1 2026 — TX bank median 4.87% (1.79pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.66% | 6.82% |
| Q4 2025 | 6.81% | 7.01% |
| Q3 2025 | 6.79% | 7.08% |
| Q2 2025 | 6.70% | 6.89% |
| Q1 2025 | 6.49% | 6.72% |
| Q4 2024 | 6.62% | 6.93% |
| Q3 2024 | 6.50% | 6.85% |
| Q2 2024 | 6.20% | 6.55% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $213.7M | $57.0M | $7.9M | 112% | $134,000 |
| Q4 2025 | $218.2M | $56.9M | $8.4M | 115% | $136,000 |
| Q3 2025 | $205.6M | $55.5M | $9.0M | 109% | $450,000 |
| Q2 2025 | $199.0M | $50.2M | $8.8M | 103% | $167,000 |
| Q1 2025 | $198.5M | $53.7M | $7.5M | 111% | $181,000 |
| Q4 2024 | $199.2M | $54.2M | $6.5M | 112% | $0 |
| Q3 2024 | $194.2M | $48.7M | $6.5M | 108% | $42,000 |
| Q2 2024 | $182.6M | $47.8M | $6.6M | 98% | $16,000 |
Signals
Recent news
- Loans in focus: Bank of America securitises a £227m loan, Alpha Bank backs Romanian retail, Pegasus Homes obtains £120m - pei-privaterealestate.com — Coverage of Focus Bank related to lending reported by pei-privaterealestate.com.Aug 15, 2026
- Bank OZK (OZK) Holds Steady at $48.39 as Key Levels Remain in Focus - Wyckoff Distribution - po-news-eg.net — Coverage of Focus Bank related to commercial real estate and lending reported by po-news-eg.net.May 29, 2026
- Bank of Hawaii (BOH) Edges Lower Amid Regional Bank Pressure, Key Support in Focus - Rounding Bottom - dars.gov.et — Coverage of Focus Bank related to commercial real estate and lending reported by dars.gov.et.May 28, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Malvern National BankCommunity Bank · Malvern · $214.0M CRE book
- BLC Community BankCommunity Bank · Little Chute · $213.1M CRE book
- Peoples Exchange BankCommunity Bank · Winchester · $214.7M CRE book
- Solvay BankCommunity Bank · Solvay · $214.9M CRE book
- Citizens Bank & Trust CompanyCommunity Bank · Plaquemine · $212.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.