ND lenders / Community Bank
Peoples State Bank of Velva
Community Bank · Velva, ND · Beall Bancshares Inc
- Total assets
- $206.1M
- CRE loan book
- $31.2M
- QoQ CRE growth
- -2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.69% as of Q1 2026 — TX bank median 4.87% (1.83pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.69% | 6.72% |
| Q4 2025 | 6.23% | 6.63% |
| Q3 2025 | 6.38% | 6.84% |
| Q2 2025 | 6.39% | 6.94% |
| Q1 2025 | 5.97% | 6.40% |
| Q4 2024 | 6.09% | 6.65% |
| Q3 2024 | 5.87% | 6.70% |
| Q2 2024 | 5.63% | 6.43% |
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 | $31.2M | $4.5M | $3.7M | 79% | $281,000 |
| Q4 2025 | $32.0M | $5.5M | $3.8M | 89% | $289,000 |
| Q3 2025 | $30.2M | $5.1M | $3.8M | 86% | $803,000 |
| Q2 2025 | $27.1M | $4.3M | $3.8M | 72% | $508,000 |
| Q1 2025 | $23.4M | $6.5M | $3.9M | 77% | $508,000 |
| Q4 2024 | $23.5M | $6.0M | $3.9M | 90% | $868,000 |
| Q3 2024 | $23.2M | $5.4M | $4.2M | 90% | $868,000 |
| Q2 2024 | $23.4M | $5.3M | $4.2M | 91% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Peoples BankCommunity Bank · Magnolia · $31.3M CRE book
- Security State Bank of HibbingCommunity Bank · Hibbing · $31.0M CRE book
- American Interstate BankCommunity Bank · Elkhorn · $30.8M CRE book
- The First National Bank and Trust Company of MiamiCommunity Bank · Miami · $31.7M CRE book
- Planters and Citizens BankCommunity Bank · Camilla · $31.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.