MS lenders / Community Bank
Century Bank
Community Bank · Lucedale, MS · Bancorp Of Lucedale Inc
- Total assets
- $562.2M
- CRE loan book
- $147.4M
- QoQ CRE growth
- 1.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.06% as of Q1 2026 — TX bank median 4.87% (1.20pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.06% | 6.81% |
| Q4 2025 | 6.31% | 7.09% |
| Q3 2025 | 6.16% | 6.96% |
| Q2 2025 | 6.20% | 6.93% |
| Q1 2025 | 6.00% | 6.65% |
| Q4 2024 | 6.15% | 6.83% |
| Q3 2024 | 6.12% | 6.80% |
| Q2 2024 | 5.89% | 6.54% |
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 | $147.4M | $44.0M | $5.3M | 163% | $264,000 |
| Q4 2025 | $145.3M | $42.1M | $1.4M | 162% | $287,000 |
| Q3 2025 | $130.7M | $43.5M | $1.4M | 142% | $29,000 |
| Q2 2025 | $136.7M | $47.5M | $1.4M | 161% | $34,000 |
| Q1 2025 | $139.4M | $47.3M | $1.5M | 170% | $41,000 |
| Q4 2024 | $138.2M | $47.0M | $1.7M | 171% | $48,000 |
| Q3 2024 | $139.4M | $44.6M | $1.7M | 167% | $55,000 |
| Q2 2024 | $138.7M | $45.2M | $1.7M | 170% | $62,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Callaway BankCommunity Bank · Fulton · $148.1M CRE book
- North Shore Bank of CommerceCommunity Bank · Duluth · $148.3M CRE book
- Global BankCommunity Bank · New York · $145.8M CRE book
- The Missouri BankCommunity Bank · Warrenton · $150.0M CRE book
- The Colorado Bank and Trust Company of La JuntaCommunity Bank · La Junta · $150.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.