MS lenders / Community Bank
Bank of Franklin
Community Bank · Meadville, MS · Franklin Bancshares Inc
- Total assets
- $303.3M
- CRE loan book
- $77.4M
- QoQ CRE growth
- 3.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.06% as of Q1 2026 — TX bank median 4.87% (2.19pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.06% | 7.21% |
| Q4 2025 | 7.17% | 7.32% |
| Q3 2025 | 7.70% | 7.75% |
| Q2 2025 | 7.30% | 7.44% |
| Q1 2025 | 7.26% | 7.43% |
| Q4 2024 | 7.43% | 7.57% |
| Q3 2024 | 7.22% | 7.44% |
| Q2 2024 | 7.09% | 7.28% |
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 | $77.4M | $15.6M | $3.2M | 196% | $577,000 |
| Q4 2025 | $75.0M | $13.7M | $3.2M | 169% | $1.7M |
| Q3 2025 | $74.9M | $14.8M | $3.3M | 177% | $1.2M |
| Q2 2025 | $71.5M | $13.5M | $3.1M | 172% | $1.2M |
| Q1 2025 | $64.2M | $13.2M | $3.1M | 160% | $965,000 |
| Q4 2024 | $65.1M | $11.4M | $3.4M | 173% | $1.2M |
| Q3 2024 | $61.8M | $10.8M | $3.4M | 173% | $1.2M |
| Q2 2024 | $60.4M | $10.9M | $3.4M | 178% | $1.2M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- FirstBankCommunity Bank · Antlers · $77.4M CRE book
- Bank of Sunset and Trust CompanyCommunity Bank · Sunset · $77.2M CRE book
- Buena Vista National BankCommunity Bank · Chester · $77.0M CRE book
- First Nebraska BankCommunity Bank · Valley · $78.0M CRE book
- Transpecos Banks, SSBCommunity Bank · Pecos · $78.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.