NE lenders / Community Bank
F&M Bank
Community Bank · West Point, NE · R Dean Phillips Bk Tr Dated 11-19-2004
- Total assets
- $361.1M
- CRE loan book
- $83.3M
- QoQ CRE growth
- -3.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.88% as of Q1 2026 — TX bank median 4.87% (1.01pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.88% | 6.08% |
| Q4 2025 | 6.21% | 6.29% |
| Q3 2025 | 6.07% | 6.46% |
| Q2 2025 | 5.96% | 6.33% |
| Q1 2025 | 5.74% | 6.24% |
| Q4 2024 | 5.72% | 6.18% |
| Q3 2024 | 5.78% | 6.33% |
| Q2 2024 | 5.52% | 6.15% |
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 | $83.3M | $51.5M | $2.5M | 162% | $0 |
| Q4 2025 | $85.9M | $52.6M | $2.6M | 173% | $0 |
| Q3 2025 | $83.3M | $49.1M | $2.6M | 151% | $0 |
| Q2 2025 | $82.8M | $46.9M | $3.3M | 153% | $0 |
| Q1 2025 | $86.6M | $51.0M | $3.3M | 170% | $0 |
| Q4 2024 | $84.9M | $48.9M | $3.4M | 174% | $0 |
| Q3 2024 | $87.1M | $48.1M | $3.4M | 167% | $0 |
| Q2 2024 | $86.3M | $46.7M | $3.4M | 171% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- GNB BankCommunity Bank · Grundy Center · $83.0M CRE book
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- The Clinton National BankCommunity Bank · Clinton · $82.9M CRE book
- City Bank & Trust Co.Community Bank · Natchitoches · $82.8M CRE book
- Eastern Michigan BankCommunity Bank · Croswell · $83.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.