MS lenders / Community Bank
The Cleveland State Bank
Community Bank · Cleveland, MS · Cleveland State Bcorp Inc
- Total assets
- $345.7M
- CRE loan book
- $35.8M
- QoQ CRE growth
- -4.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.29% as of Q1 2026 — TX bank median 4.87% (1.42pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.29% | 6.64% |
| Q4 2025 | 6.27% | 6.72% |
| Q3 2025 | 6.34% | 6.77% |
| Q2 2025 | 6.23% | 6.67% |
| Q1 2025 | 6.13% | 6.61% |
| Q4 2024 | 6.19% | 6.71% |
| Q3 2024 | 6.10% | 6.72% |
| Q2 2024 | 5.93% | 6.51% |
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 | $35.8M | $8.2M | $4.5M | 84% | $120,000 |
| Q4 2025 | $37.6M | $7.9M | $5.7M | 90% | $0 |
| Q3 2025 | $39.9M | $5.9M | $5.7M | 93% | $0 |
| Q2 2025 | $40.6M | $6.1M | $5.8M | 99% | $0 |
| Q1 2025 | $41.1M | $5.7M | $6.1M | 105% | $0 |
| Q4 2024 | $41.5M | $5.9M | $6.2M | 109% | $0 |
| Q3 2024 | $44.0M | $6.1M | $7.6M | 113% | $0 |
| Q2 2024 | $47.6M | $7.5M | $9.0M | 124% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Grand Missouri BankCommunity Bank · Bolivar · $35.7M CRE book
- Security First National Bank of HugoCommunity Bank · Hugo · $35.5M CRE book
- Union State Bank of HazenCommunity Bank · Hazen · $35.4M CRE book
- Farmers Bank of Northern MissouriCommunity Bank · Unionville · $36.3M CRE book
- Iowa State BankCommunity Bank · Sac City · $36.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.