OH lenders / Community Bank
The Citizens National Bank of Bluffton
Community Bank · Bluffton, OH · Citizens Bancshares Inc
- Total assets
- $1.1B
- CRE loan book
- $485.7M
- QoQ CRE growth
- 0.1%
- Q1 2026
Recorded CRE activity — oh-franklin County
7 commercial deeds of trust recorded recently, verified from county records.
- Aug 14, 2026 · unknownundisclosed
- Aug 4, 2026 · unknownundisclosed
- Jul 29, 2026 · unknownundisclosed
- Jul 29, 2026 · unknownundisclosed
- Jul 23, 2026 · unknownundisclosed
- Jul 23, 2026 · unknownundisclosed
- Jul 9, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.24% as of Q1 2026 — TX bank median 4.87% (1.38pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.24% | 6.33% |
| Q4 2025 | 6.43% | 6.49% |
| Q3 2025 | 6.29% | 6.46% |
| Q2 2025 | 6.26% | 6.42% |
| Q1 2025 | 6.08% | 6.28% |
| Q4 2024 | 6.06% | 6.19% |
| Q3 2024 | 5.89% | 6.12% |
| Q2 2024 | 5.73% | 5.97% |
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 | $485.7M | $49.9M | $42.0M | 234% | $4.8M |
| Q4 2025 | $485.3M | $50.3M | $39.1M | 234% | $4.7M |
| Q3 2025 | $486.1M | $45.8M | $39.1M | 239% | $2.9M |
| Q2 2025 | $491.4M | $63.9M | $38.6M | 250% | $631,000 |
| Q1 2025 | $493.5M | $70.4M | $39.0M | 252% | $306,000 |
| Q4 2024 | $512.7M | $69.0M | $38.8M | 266% | $771,000 |
| Q3 2024 | $504.1M | $72.1M | $36.4M | 279% | $504,000 |
| Q2 2024 | $493.9M | $73.3M | $36.0M | 279% | $510,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Forcht Bank, National AssociationCommunity Bank · Lexington · $490.3M CRE book
- UniBank for SavingsCommunity Bank · Whitinsville · $481.0M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- North Easton Savings BankCommunity Bank · South Easton · $477.1M CRE book
- Availa BankCommunity Bank · Carroll · $466.9M CRE book
See all alternatives to The Citizens National Bank of Bluffton →
Last updated Aug 14, 2026 · Sources: FFIEC CDR, county records, first-party conversations.