NE lenders / Community Bank
Flatwater Bank
Community Bank · Gothenburg, NE · Williams Financial Corp
- Total assets
- $346.6M
- CRE loan book
- $34.9M
- QoQ CRE growth
- -0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.15% as of Q1 2026 — TX bank median 4.87% (1.29pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.15% | 6.41% |
| Q4 2025 | 6.49% | 7.11% |
| Q3 2025 | 6.55% | 7.37% |
| Q2 2025 | 6.22% | 7.21% |
| Q1 2025 | 6.19% | 6.98% |
| Q4 2024 | 6.70% | 7.33% |
| Q3 2024 | 6.29% | 7.44% |
| Q2 2024 | 6.01% | 7.35% |
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 | $34.9M | $12.9M | $0 | 93% | $241,000 |
| Q4 2025 | $35.1M | $12.7M | $0 | 95% | $241,000 |
| Q3 2025 | $33.0M | $10.3M | $0 | 88% | $0 |
| Q2 2025 | $30.8M | $8.9M | $0 | 73% | $0 |
| Q1 2025 | $29.4M | $10.8M | $0 | 84% | $0 |
| Q4 2024 | $34.0M | $10.0M | $0 | 101% | $0 |
| Q3 2024 | $30.3M | $13.9M | $0 | 89% | $0 |
| Q2 2024 | $30.1M | $18.2M | $0 | 89% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers State Bank and Trust CompanyCommunity Bank · Jacksonville · $34.8M CRE book
- State Street Bank and Trust CompanyCommunity Bank · Quincy · $34.8M CRE book
- Bank of ColumbiaCommunity Bank · Columbia · $34.8M CRE book
- Marblehead BankCommunity Bank · Marblehead · $35.0M CRE book
- The Clay City Banking Co.Community Bank · Clay City · $35.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.