MO lenders / Community Bank
State Bank of Missouri
Community Bank · Concordia, MO · C S Bancshares Inc
- Total assets
- $139.4M
- CRE loan book
- $21.7M
- QoQ CRE growth
- 4.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.39% as of Q1 2026 — TX bank median 4.87% (1.53pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.39% | 6.61% |
| Q4 2025 | 6.60% | 6.84% |
| Q3 2025 | 6.78% | 7.04% |
| Q2 2025 | 6.04% | 6.67% |
| Q1 2025 | 6.42% | 6.36% |
| Q4 2024 | 6.62% | 6.71% |
| Q3 2024 | 6.51% | 6.58% |
| Q2 2024 | 6.42% | 6.49% |
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 | $21.7M | $3.8M | $7.1M | 145% | $120,000 |
| Q4 2025 | $20.8M | $2.7M | $7.2M | 139% | $124,000 |
| Q3 2025 | $21.1M | $2.7M | $7.2M | 139% | $133,000 |
| Q2 2025 | $20.8M | $2.2M | $7.2M | 133% | $140,000 |
| Q1 2025 | $20.0M | $1.8M | $7.3M | 127% | $146,000 |
| Q4 2024 | $16.5M | $2.3M | $7.3M | 108% | $151,000 |
| Q3 2024 | $16.6M | $2.4M | $7.4M | 111% | $61,000 |
| Q2 2024 | $16.7M | $2.3M | $7.4M | 107% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Sandhills State BankCommunity Bank · North Platte · $21.8M CRE book
- LNB Community BankCommunity Bank · Lynnville · $21.6M CRE book
- Fowler State BankCommunity Bank · Fowler · $21.5M CRE book
- Hamlin Bank and Trust CompanyCommunity Bank · Smethport · $22.0M CRE book
- The Seiling State BankCommunity Bank · Seiling · $22.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.