MS lenders / Community Bank
Bank of Winona
Community Bank · Winona, MS · Bancorp Of Winona Inc
- Total assets
- $142.6M
- CRE loan book
- $9.7M
- QoQ CRE growth
- -3.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.47% as of Q1 2026 — TX bank median 4.87% (1.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.47% | 6.93% |
| Q4 2025 | 6.69% | 7.21% |
| Q3 2025 | 6.81% | 7.30% |
| Q2 2025 | 6.44% | 7.00% |
| Q1 2025 | 6.44% | 7.03% |
| Q4 2024 | 6.41% | 7.06% |
| Q3 2024 | 6.26% | 6.89% |
| Q2 2024 | 6.28% | 6.88% |
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 | $9.7M | $22,000 | $0 | 0% | $28,000 |
| Q4 2025 | $10.0M | $111,000 | $0 | 1% | $30,000 |
| Q3 2025 | $10.5M | $34,000 | $0 | 0% | $39,000 |
| Q2 2025 | $11.0M | $92,000 | $0 | 0% | $31,000 |
| Q1 2025 | $11.8M | $38,000 | $0 | 0% | $31,000 |
| Q4 2024 | $11.8M | $39,000 | $0 | 0% | $59,000 |
| Q3 2024 | $11.9M | $95,000 | $0 | 0% | $62,000 |
| Q2 2024 | $12.5M | $99,000 | $0 | 1% | $25,000 |
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.