OH lenders / Community Bank
The Citizens Bank Company
Community Bank · Beverly, OH · Muskingum Valley Bancshares
- Total assets
- $329.7M
- CRE loan book
- $68.1M
- QoQ CRE growth
- -3.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.92% as of Q1 2026 — TX bank median 4.87% (1.06pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.92% | 6.10% |
| Q4 2025 | 5.90% | 6.14% |
| Q3 2025 | 5.88% | 6.12% |
| Q2 2025 | 5.84% | 6.07% |
| Q1 2025 | 5.64% | 5.84% |
| Q4 2024 | 5.57% | 5.94% |
| Q3 2024 | 5.41% | 5.77% |
| Q2 2024 | 5.26% | 5.54% |
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 | $68.1M | $16.7M | $6.6M | 79% | $214,000 |
| Q4 2025 | $70.4M | $19.7M | $6.2M | 85% | $229,000 |
| Q3 2025 | $70.8M | $20.9M | $6.3M | 88% | $245,000 |
| Q2 2025 | $73.9M | $20.8M | $6.4M | 89% | $265,000 |
| Q1 2025 | $72.8M | $20.3M | $6.8M | 85% | $265,000 |
| Q4 2024 | $69.7M | $20.4M | $6.8M | 80% | $0 |
| Q3 2024 | $74.0M | $21.0M | $6.8M | 87% | $0 |
| Q2 2024 | $70.7M | $20.8M | $6.8M | 88% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Hendricks County Bank and Trust CompanyCommunity Bank · Brownsburg · $68.1M CRE book
- Teutopolis State BankCommunity Bank · Teutopolis · $68.3M CRE book
- Arcadian BankCommunity Bank · Hartland · $67.7M CRE book
- Citizens Community BankCommunity Bank · Hahira · $69.0M CRE book
- Bank of CommerceCommunity Bank · Chelsea · $67.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.