MS lenders / Community Bank
Bank of Yazoo City
Community Bank · Yazoo City, MS · Yazoo Capital Corp
- Total assets
- $326.0M
- CRE loan book
- $48.5M
- QoQ CRE growth
- 11.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.92% as of Q1 2026 — TX bank median 4.87% (1.05pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.92% | 6.08% |
| Q4 2025 | 6.09% | 6.28% |
| Q3 2025 | 5.92% | 6.27% |
| Q2 2025 | 5.84% | 6.19% |
| Q1 2025 | 5.72% | 5.96% |
| Q4 2024 | 5.65% | 5.96% |
| Q3 2024 | 5.68% | 5.94% |
| Q2 2024 | 5.46% | 5.72% |
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 | $48.5M | $9.9M | $5.0M | 102% | $0 |
| Q4 2025 | $43.6M | $6.4M | $4.4M | 91% | $43,000 |
| Q3 2025 | $40.5M | $7.4M | $957,000 | 80% | $0 |
| Q2 2025 | $37.1M | $5.2M | $964,000 | 74% | $0 |
| Q1 2025 | $35.8M | $5.6M | $975,000 | 71% | $0 |
| Q4 2024 | $34.5M | $3.9M | $978,000 | 71% | $0 |
| Q3 2024 | $35.3M | $3.3M | $993,000 | 70% | $0 |
| Q2 2024 | $34.4M | $3.0M | $1.0M | 70% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- F & M Community Bank, National AssociationCommunity Bank · Preston · $48.5M CRE book
- The Payne County BankCommunity Bank · Perkins · $48.6M CRE book
- Peoples State BankCommunity Bank · Shepherd · $49.1M CRE book
- Arrowhead BankCommunity Bank · Llano · $49.4M CRE book
- The Farmers State Bank of WaupacaCommunity Bank · Waupaca · $47.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.