MT lenders / Community Bank
The First State Bank of Shelby
Community Bank · Shelby, MT · Prairie Bancshares Corp
- Total assets
- $169.0M
- CRE loan book
- $3.0M
- QoQ CRE growth
- 0.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.50% as of Q1 2026 — TX bank median 4.87% (2.63pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.50% | 7.35% |
| Q4 2025 | 7.24% | 7.66% |
| Q3 2025 | 7.16% | 8.17% |
| Q2 2025 | 7.02% | 7.67% |
| Q1 2025 | 6.83% | 7.52% |
| Q4 2024 | 6.87% | 7.75% |
| Q3 2024 | 6.85% | 7.87% |
| Q2 2024 | 6.68% | 7.40% |
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 | $3.0M | $0 | $0 | 9% | $0 |
| Q4 2025 | $3.0M | $0 | $0 | 9% | $0 |
| Q3 2025 | $3.1M | $0 | $0 | 9% | $0 |
| Q2 2025 | $3.2M | $0 | $0 | 10% | $0 |
| Q1 2025 | $3.1M | $0 | $0 | 9% | $0 |
| Q4 2024 | $3.1M | $0 | $0 | 10% | $0 |
| Q3 2024 | $3.2M | $0 | $0 | 10% | $0 |
| Q2 2024 | $3.4M | $0 | $0 | 10% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Security State BankCommunity Bank · Wellington · $3.1M CRE book
- Citizens State BankCommunity Bank · Wyoming · $3.1M CRE book
- Buckley State BankCommunity Bank · Buckley · $3.2M CRE book
- The First National Bank of FairfaxCommunity Bank · Fairfax · $2.9M CRE book
- The First National Bank at St. JamesCommunity Bank · Saint James · $3.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.