NE lenders / Community Bank
First Bank of Utica
Community Bank · Utica, NE · First National Utica Co
- Total assets
- $78.1M
- CRE loan book
- $3.7M
- QoQ CRE growth
- 1.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.82% as of Q1 2026 — TX bank median 4.87% (0.95pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.82% | 6.14% |
| Q4 2025 | 6.02% | 6.63% |
| Q3 2025 | 6.05% | 6.63% |
| Q2 2025 | 5.51% | 6.44% |
| Q1 2025 | 5.44% | 6.05% |
| Q4 2024 | 5.51% | 6.43% |
| Q3 2024 | 5.46% | 6.54% |
| Q2 2024 | 5.47% | 6.42% |
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 | $858,000 | $0 | 7% | $156,000 |
| Q4 2025 | $3.6M | $683,000 | $0 | 6% | $167,000 |
| Q3 2025 | $3.2M | $249,000 | $0 | 3% | $182,000 |
| Q2 2025 | $3.0M | $174,000 | $0 | 3% | $347,000 |
| Q1 2025 | $2.9M | $97,000 | $0 | 2% | $368,000 |
| Q4 2024 | $3.0M | $94,000 | $0 | 2% | $399,000 |
| Q3 2024 | $3.0M | $235,000 | $0 | 3% | $417,000 |
| Q2 2024 | $3.1M | $100,000 | $0 | 2% | $434,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of GolvaCommunity Bank · Golva · $3.7M CRE book
- Walters Bank and Trust CompanyCommunity Bank · Walters · $3.7M CRE book
- Clarkson BankCommunity Bank · Clarkson · $3.7M CRE book
- Northeast Missouri State BankCommunity Bank · Kirksville · $3.6M CRE book
- Farmers and Merchants State Bank of BushnellCommunity Bank · Bushnell · $3.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.