ND lenders / Community Bank
First State Bank of Golva
Community Bank · Golva, ND
- Total assets
- $120.9M
- CRE loan book
- $3.7M
- QoQ CRE growth
- 38.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.44% as of Q1 2026 — TX bank median 4.87% (1.57pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.44% | 6.41% |
| Q4 2025 | 7.01% | 6.73% |
| Q3 2025 | 7.21% | 6.77% |
| Q2 2025 | 7.01% | 6.74% |
| Q1 2025 | 7.14% | 6.74% |
| Q4 2024 | 7.29% | 7.04% |
| Q3 2024 | 7.29% | 7.30% |
| Q2 2024 | 6.08% | 7.00% |
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 | $3.7M | $159,000 | $300,000 | 31% | $0 |
| Q4 2025 | $2.7M | $151,000 | $304,000 | 22% | $0 |
| Q3 2025 | $2.6M | $45,000 | $309,000 | 23% | $0 |
| Q2 2025 | $2.8M | $138,000 | $313,000 | 25% | $0 |
| Q1 2025 | $2.7M | $138,000 | $316,000 | 23% | $0 |
| Q4 2024 | $2.8M | $138,000 | $319,000 | 24% | $0 |
| Q3 2024 | $2.8M | $138,000 | $324,000 | 25% | $0 |
| Q2 2024 | $2.9M | $138,000 | $327,000 | 27% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Bank of UticaCommunity Bank · Utica · $3.7M CRE book
- Farmers and Merchants State Bank of BushnellCommunity Bank · Bushnell · $3.8M CRE book
- Walters Bank and Trust CompanyCommunity Bank · Walters · $3.7M CRE book
- Clarkson BankCommunity Bank · Clarkson · $3.7M CRE book
- The Northern State Bank of GonvickCommunity Bank · Gonvick · $3.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.