NE lenders / Community Bank
Heritage Bank
Community Bank · Wood River, NE · Heritage Group Inc
- Total assets
- $612.5M
- CRE loan book
- $61.7M
- QoQ CRE growth
- 0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.37% as of Q1 2026 — TX bank median 4.87% (1.50pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.37% | 6.66% |
| Q4 2025 | 6.56% | 6.84% |
| Q3 2025 | 6.53% | 7.05% |
| Q2 2025 | 6.37% | 6.89% |
| Q1 2025 | 6.21% | 6.79% |
| Q4 2024 | 6.09% | 6.77% |
| Q3 2024 | 6.11% | 7.09% |
| Q2 2024 | 5.50% | 6.92% |
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 | $61.7M | $12.0M | $1.1M | 27% | $0 |
| Q4 2025 | $61.7M | $24.5M | $1.1M | 26% | $0 |
| Q3 2025 | $53.9M | $22.4M | $1.1M | 24% | $0 |
| Q2 2025 | $49.6M | $20.8M | $434,000 | 23% | $0 |
| Q1 2025 | $49.8M | $23.8M | $435,000 | 25% | $0 |
| Q4 2024 | $45.7M | $20.2M | $545,000 | 23% | $0 |
| Q3 2024 | $36.5M | $10.3M | $547,000 | 15% | $0 |
| Q2 2024 | $34.4M | $8.1M | $549,000 | 12% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Sanger BankCommunity Bank · Sanger · $61.9M CRE book
- The Napoleon State BankCommunity Bank · Napoleon · $61.6M CRE book
- First State Bank of ForrestCommunity Bank · Forrest · $61.4M CRE book
- Farmers and Merchants BankCommunity Bank · Laotto · $62.2M CRE book
- Farmers State BankCommunity Bank · Pittsfield · $62.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.