NC lenders / Community Bank
Mechanics & Farmers Bank
Community Bank · Durham, NC · M&F Bcorp Inc
- Total assets
- $489.0M
- CRE loan book
- $171.5M
- QoQ CRE growth
- -0.2%
- 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% | 6.00% |
| Q4 2025 | 6.21% | 6.50% |
| Q3 2025 | 6.04% | 6.45% |
| Q2 2025 | 6.15% | 6.44% |
| Q1 2025 | 5.89% | 6.20% |
| Q4 2024 | 5.92% | 6.37% |
| Q3 2024 | 5.97% | 6.37% |
| Q2 2024 | 5.88% | 6.21% |
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 | $171.5M | $8.2M | $31.5M | 96% | $1.6M |
| Q4 2025 | $171.8M | $8.1M | $31.8M | 95% | $1.6M |
| Q3 2025 | $173.5M | $9.8M | $31.8M | 99% | $2.6M |
| Q2 2025 | $176.0M | $11.8M | $32.0M | 104% | $1.0M |
| Q1 2025 | $179.4M | $14.5M | $30.9M | 108% | $1.0M |
| Q4 2024 | $174.5M | $12.9M | $31.0M | 103% | $1.0M |
| Q3 2024 | $175.9M | $11.5M | $32.1M | 101% | $583,000 |
| Q2 2024 | $173.3M | $9.4M | $31.8M | 99% | $606,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Commercial Bank, National AssociationCommunity Bank · Seguin · $171.0M CRE book
- TrustBankCommunity Bank · Olney · $170.9M CRE book
- Northview BankCommunity Bank · Sandstone · $172.2M CRE book
- HomeBankCommunity Bank · Palmyra · $170.4M CRE book
- Bank of MaustonCommunity Bank · Mauston · $170.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.