NY lenders / Community Bank
First National Bank of Scotia
Community Bank · Scotia, NY · Glenville Bank Holding Co Inc
- Total assets
- $706.5M
- CRE loan book
- $129.9M
- QoQ CRE growth
- 2.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.32% as of Q1 2026 — TX bank median 4.87% (0.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.32% | 5.72% |
| Q4 2025 | 5.34% | 5.71% |
| Q3 2025 | 5.34% | 5.76% |
| Q2 2025 | 5.16% | 5.63% |
| Q1 2025 | 5.07% | 5.42% |
| Q4 2024 | 5.17% | 5.66% |
| Q3 2024 | 5.00% | 5.39% |
| Q2 2024 | 4.86% | 5.21% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $129.9M | $4.8M | $34.8M | 126% | $3.7M |
| Q4 2025 | $126.2M | $3.6M | $29.0M | 119% | $3.8M |
| Q3 2025 | $127.1M | $3.6M | $28.3M | 119% | $3.5M |
| Q2 2025 | $123.0M | $2.4M | $27.9M | 115% | $4.2M |
| Q1 2025 | $122.4M | $1.2M | $26.9M | 113% | $4.3M |
| Q4 2024 | $126.2M | $3.0M | $28.2M | 118% | $4.3M |
| Q3 2024 | $125.1M | $3.2M | $25.7M | 116% | $4.3M |
| Q2 2024 | $124.4M | $4.2M | $25.8M | 119% | $4.3M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank and TrustCommunity Bank · Bayport · $129.9M CRE book
- PrinsBankCommunity Bank · Prinsburg · $130.2M CRE book
- Farmers State Bank of Alto Pass, Ill.Community Bank · Alto Pass · $130.3M CRE book
- Lone Star BankCommunity Bank · Houston · $128.6M CRE book
- Midstates Bank, National AssociationCommunity Bank · Council Bluffs · $132.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.