OH lenders / Community Bank
Somerville Bank
Community Bank · Eaton, OH · Somerville Bcorp
- Total assets
- $294.3M
- CRE loan book
- $85.4M
- QoQ CRE growth
- 0.1%
- Q1 2026
Recorded CRE activity — oh-butler County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 24, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.67% as of Q1 2026 — TX bank median 4.87% (0.80pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.67% | 5.95% |
| Q4 2025 | 5.75% | 6.04% |
| Q3 2025 | 5.59% | 6.05% |
| Q2 2025 | 5.70% | 6.00% |
| Q1 2025 | 5.57% | 5.69% |
| Q4 2024 | 5.26% | 5.71% |
| Q3 2024 | 5.73% | 5.71% |
| Q2 2024 | 5.63% | 5.61% |
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 | $85.4M | $5.2M | $82,000 | 29% | $293,000 |
| Q4 2025 | $85.3M | $5.2M | $598,000 | 31% | $296,000 |
| Q3 2025 | $82.2M | $5.1M | $607,000 | 31% | $302,000 |
| Q2 2025 | $84.1M | $5.1M | $616,000 | 31% | $311,000 |
| Q1 2025 | $83.2M | $3.9M | $624,000 | 28% | $321,000 |
| Q4 2024 | $83.3M | $3.6M | $633,000 | 27% | $204,000 |
| Q3 2024 | $80.6M | $955,000 | $3.4M | 28% | $82,000 |
| Q2 2024 | $81.3M | $1.2M | $3.4M | 23% | $82,000 |
Signals
Somerville Bank: frequently asked questions
- How large is Somerville Bank's commercial real estate loan book?
- As of Q1 2026, Somerville Bank reported $85.4M in commercial real estate loans out of $294.3M in total assets, per its FFIEC Call Report.
- Is Somerville Bank above the 300% CRE concentration guideline?
- Somerville Bank's CRE loans stood at 29% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Somerville Bank growing or shrinking its CRE lending?
- Somerville Bank's CRE loan book grew 0.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Somerville Bank in recorded CRE lending?
- 1 commercial deed of trust naming Somerville Bank as lender has been recorded recently in oh-butler County, verified from county records; the most recent was recorded Jul 24, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Friendship State BankCommunity Bank · Friendship · $85.0M CRE book
- Farmers Savings BankCommunity Bank · Mineral Point · $84.9M CRE book
- The Security National Bank of EnidCommunity Bank · Enid · $86.2M CRE book
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
Last updated Jul 24, 2026 · Sources: FFIEC CDR, county records, first-party conversations.