MO lenders / Community Bank
St. Clair County State Bank
Community Bank · Osceola, MO · Margaret Parker Platter Charitable Tr
- Total assets
- $226.6M
- CRE loan book
- $29.8M
- QoQ CRE growth
- 6.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.65% as of Q1 2026 — TX bank median 4.87% (1.79pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.65% | 6.85% |
| Q4 2025 | 6.83% | 7.07% |
| Q3 2025 | 6.96% | 7.11% |
| Q2 2025 | 6.86% | 7.03% |
| Q1 2025 | 6.93% | 7.07% |
| Q4 2024 | 6.92% | 7.23% |
| Q3 2024 | 6.96% | 7.09% |
| Q2 2024 | 6.71% | 6.96% |
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 | $29.8M | $6.4M | $3.6M | 87% | $0 |
| Q4 2025 | $27.9M | $5.0M | $3.7M | 83% | $0 |
| Q3 2025 | $22.8M | $3.8M | $3.7M | 69% | $0 |
| Q2 2025 | $24.2M | $4.7M | $5.2M | 77% | $0 |
| Q1 2025 | $23.2M | $4.8M | $5.2M | 76% | $0 |
| Q4 2024 | $26.2M | $8.7M | $5.2M | 88% | $0 |
| Q3 2024 | $19.8M | $8.8M | $210,000 | 68% | $0 |
| Q2 2024 | $18.2M | $7.8M | $213,000 | 64% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.