ND lenders / Community Bank
Peoples State Bank
Community Bank · Westhope, ND · Peoples State Holding Co
- Total assets
- $70.6M
- CRE loan book
- $1.2M
- QoQ CRE growth
- -0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.24% as of Q1 2026 — TX bank median 4.87% (1.37pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.24% | 6.15% |
| Q4 2025 | 6.27% | 7.00% |
| Q3 2025 | 6.07% | 7.06% |
| Q2 2025 | 5.62% | 6.56% |
| Q1 2025 | 4.69% | 6.36% |
| Q4 2024 | 3.19% | 7.07% |
| Q3 2024 | 3.20% | 7.32% |
| Q2 2024 | 9.17% | 6.85% |
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 | $1.2M | $0 | $0 | 12% | $0 |
| Q4 2025 | $1.2M | $0 | $0 | 12% | $0 |
| Q3 2025 | $1.2M | $0 | $0 | 12% | $0 |
| Q2 2025 | $1.3M | $0 | $0 | 12% | $0 |
| Q1 2025 | $1.3M | $0 | $0 | 13% | $0 |
| Q4 2024 | $1.0M | $0 | $0 | 11% | $0 |
| Q3 2024 | $1.0M | $0 | $0 | 10% | $0 |
| Q2 2024 | $1.0M | $0 | $0 | 10% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Vermilion Valley BankCommunity Bank · Piper City · $1.2M CRE book
- Oklahoma State BankCommunity Bank · Buffalo · $1.2M CRE book
- Farmers State BankCommunity Bank · Phillipsburg · $1.3M CRE book
- Bank of PragueCommunity Bank · Prague · $1.1M CRE book
- The State Bank of BernCommunity Bank · Bern · $1.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.