MO lenders / Community Bank
Senath State Bank
Community Bank · Senath, MO · Senath Bancshares Inc
- Total assets
- $101.9M
- CRE loan book
- $1.4M
- QoQ CRE growth
- -6.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.29% as of Q1 2026 — TX bank median 4.87% (1.42pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.29% | 6.56% |
| Q4 2025 | 6.55% | 6.86% |
| Q3 2025 | 6.28% | 6.68% |
| Q2 2025 | 6.13% | 6.46% |
| Q1 2025 | 6.12% | 6.39% |
| Q4 2024 | 6.21% | 6.53% |
| Q3 2024 | 6.11% | 6.49% |
| Q2 2024 | 6.08% | 6.50% |
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 | $1.4M | $1.0M | $21,000 | 9% | $0 |
| Q4 2025 | $1.5M | $1.1M | $21,000 | 9% | $0 |
| Q3 2025 | $1.5M | $996,000 | $80,000 | 9% | $0 |
| Q2 2025 | $1.3M | $861,000 | $176,000 | 8% | $0 |
| Q1 2025 | $2.2M | $919,000 | $943,000 | 14% | $0 |
| Q4 2024 | $2.1M | $805,000 | $973,000 | 13% | $0 |
| Q3 2024 | $1.9M | $471,000 | $1.0M | 12% | $0 |
| Q2 2024 | $1.7M | $260,000 | $1.0M | 11% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Sainte Marie State BankCommunity Bank · Sainte Marie · $1.4M CRE book
- First Federal Savings and Loan AssociationCommunity Bank · Centerburg · $1.4M CRE book
- First National Bank in TigertonCommunity Bank · Tigerton · $1.3M CRE book
- The Fidelity State Bank and Trust CompanyCommunity Bank · Dodge City · $1.5M CRE book
- Farmers State BankCommunity Bank · Phillipsburg · $1.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.