MO lenders / Community Bank
United Bank of Union
Community Bank · Union, MO · Cardinal Bcorp Ii Inc
- Total assets
- $583.3M
- CRE loan book
- $289.1M
- QoQ CRE growth
- 10.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.73% as of Q1 2026 — TX bank median 4.87% (1.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.73% | 6.67% |
| Q4 2025 | 6.80% | 6.74% |
| Q3 2025 | 6.80% | 6.80% |
| Q2 2025 | 6.71% | 6.62% |
| Q1 2025 | 6.59% | 6.65% |
| Q4 2024 | 6.60% | 6.71% |
| Q3 2024 | 6.74% | 6.79% |
| Q2 2024 | 6.57% | 6.63% |
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 | $289.1M | $65.7M | $38.0M | 285% | $10.7M |
| Q4 2025 | $261.1M | $59.5M | $31.1M | 267% | $10.4M |
| Q3 2025 | $270.2M | $75.0M | $22.4M | 272% | $11.1M |
| Q2 2025 | $260.3M | $67.6M | $23.3M | 269% | $7.8M |
| Q1 2025 | $251.6M | $67.3M | $23.7M | 270% | $7.6M |
| Q4 2024 | $237.8M | $66.3M | $22.6M | 271% | $10.6M |
| Q3 2024 | $246.6M | $63.5M | $31.4M | 277% | $11.6M |
| Q2 2024 | $246.8M | $70.4M | $30.9M | 293% | $11.8M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- United Prairie BankCommunity Bank · Mountain Lake · $288.9M CRE book
- Central Penn Bank & TrustCommunity Bank · Mifflinburg · $289.7M CRE book
- The Bank of Fayette CountyCommunity Bank · Piperton · $292.3M CRE book
- Texas Republic Bank, National AssociationCommunity Bank · Frisco · $284.6M CRE book
- State Bank of ChiltonCommunity Bank · Chilton · $282.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.