ND lenders / Community Bank
First State Bank & Trust
Community Bank · Williston, ND · Jorgenson Williston Holding Co
- Total assets
- $539.7M
- CRE loan book
- $106.1M
- QoQ CRE growth
- 1.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.96% as of Q1 2026 — TX bank median 4.87% (2.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.96% | 7.12% |
| Q4 2025 | 7.39% | 7.52% |
| Q3 2025 | 7.42% | 7.55% |
| Q2 2025 | 7.20% | 7.35% |
| Q1 2025 | 6.59% | 6.94% |
| Q4 2024 | 7.29% | 7.42% |
| Q3 2024 | 6.65% | 7.10% |
| Q2 2024 | 6.35% | 6.74% |
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 | $106.1M | $9.6M | $3.2M | 70% | $0 |
| Q4 2025 | $104.3M | $10.3M | $2.8M | 70% | $0 |
| Q3 2025 | $96.9M | $7.9M | $3.3M | 63% | $0 |
| Q2 2025 | $90.0M | $5.6M | $2.2M | 60% | $0 |
| Q1 2025 | $90.2M | $4.0M | $2.2M | 58% | $0 |
| Q4 2024 | $91.3M | $4.9M | $2.2M | 61% | $0 |
| Q3 2024 | $86.7M | $2.8M | $2.5M | 53% | $0 |
| Q2 2024 | $86.9M | $2.9M | $2.6M | 54% | $473,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
- The Citizens Bank of SwainsboroCommunity Bank · Swainsboro · $106.2M CRE book
- Peoples Trust Company of St. AlbansCommunity Bank · Saint Albans · $105.5M CRE book
- Enterprise Bank of South CarolinaCommunity Bank · Ehrhardt · $107.1M CRE book
- Commerce BankCommunity Bank · Geneva · $105.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.