NE lenders / Community Bank
First Central Bank
Community Bank · Cambridge, NE · Central Bancshares Inc
- Total assets
- $137.6M
- CRE loan book
- $9.4M
- QoQ CRE growth
- -9.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.28% as of Q1 2026 — TX bank median 4.87% (1.41pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.28% | 7.21% |
| Q4 2025 | 6.71% | 7.67% |
| Q3 2025 | 5.68% | 7.93% |
| Q2 2025 | 6.21% | 6.92% |
| Q1 2025 | 6.15% | 6.82% |
| Q4 2024 | 5.83% | 7.20% |
| Q3 2024 | 5.79% | 7.35% |
| Q2 2024 | 5.83% | 7.29% |
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 | $9.4M | $3.0M | $1.1M | 32% | $2.4M |
| Q4 2025 | $10.4M | $3.5M | $881,000 | 34% | $3.4M |
| Q3 2025 | $13.3M | $5.8M | $475,000 | 45% | $4.5M |
| Q2 2025 | $10.0M | $2.3M | $475,000 | 26% | $1.7M |
| Q1 2025 | $9.1M | $2.2M | $399,000 | 23% | $2.1M |
| Q4 2024 | $10.1M | $1.6M | $450,000 | 18% | $3.0M |
| Q3 2024 | $10.0M | $1.4M | $450,000 | 18% | $3.0M |
| Q2 2024 | $10.7M | $1.8M | $450,000 | 22% | $2.9M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Security State BankCommunity Bank · Cranfills Gap · $9.4M CRE book
- American Exchange BankCommunity Bank · Elmwood · $9.4M CRE book
- Bank of Yates CityCommunity Bank · Yates City · $9.5M CRE book
- TPNB BankCommunity Bank · Paris · $9.3M CRE book
- Countryside BankCommunity Bank · Unadilla · $9.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.