MO lenders / Community Bank
UNICO Bank
Community Bank · Mineral Point, MO · Washco Bancshares Inc
- Total assets
- $497.3M
- CRE loan book
- $174.6M
- QoQ CRE growth
- -4.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.48% as of Q1 2026 — TX bank median 4.87% (1.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.48% | 6.70% |
| Q4 2025 | 6.67% | 6.94% |
| Q3 2025 | 6.73% | 7.02% |
| Q2 2025 | 6.60% | 6.90% |
| Q1 2025 | 6.49% | 6.74% |
| Q4 2024 | 6.72% | 6.96% |
| Q3 2024 | 6.68% | 6.96% |
| Q2 2024 | 6.23% | 6.52% |
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 | $174.6M | $44.6M | $32.7M | 235% | $1.1M |
| Q4 2025 | $183.0M | $49.1M | $36.8M | 256% | $639,000 |
| Q3 2025 | $184.2M | $52.0M | $36.4M | 270% | $762,000 |
| Q2 2025 | $185.6M | $51.0M | $37.0M | 278% | $816,000 |
| Q1 2025 | $182.5M | $51.8M | $37.4M | 280% | $642,000 |
| Q4 2024 | $184.6M | $54.4M | $37.2M | 293% | $295,000 |
| Q3 2024 | $188.4M | $58.4M | $36.3M | 305% | $235,000 |
| Q2 2024 | $185.3M | $58.0M | $33.8M | 316% | $444,000 |
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.