OH lenders / Community Bank
The Farmers and Merchants Bank
Community Bank · Caldwell, OH · Farmmerc Inc
- Total assets
- $134.9M
- CRE loan book
- $8.8M
- QoQ CRE growth
- -6.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.01% as of Q1 2026 — TX bank median 4.87% (2.14pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.01% | 7.43% |
| Q4 2025 | 6.41% | 6.86% |
| Q3 2025 | 6.26% | 6.77% |
| Q2 2025 | 6.81% | 7.25% |
| Q1 2025 | 5.95% | 6.53% |
| Q4 2024 | 6.23% | 6.75% |
| Q3 2024 | 5.92% | 6.50% |
| Q2 2024 | 5.88% | 6.51% |
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 | $8.8M | $1.1M | $146,000 | 37% | $263,000 |
| Q4 2025 | $9.4M | $2.0M | $155,000 | 42% | $264,000 |
| Q3 2025 | $9.5M | $2.0M | $162,000 | 42% | $260,000 |
| Q2 2025 | $9.4M | $1.2M | $171,000 | 41% | $261,000 |
| Q1 2025 | $9.2M | $723,000 | $181,000 | 40% | $261,000 |
| Q4 2024 | $9.5M | $1.0M | $192,000 | 42% | $15,000 |
| Q3 2024 | $9.7M | $1.0M | $205,000 | 43% | $16,000 |
| Q2 2024 | $9.7M | $882,000 | $216,000 | 44% | $17,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Waterford Commercial and Savings BankCommunity Bank · Waterford · $8.7M CRE book
- The Citizens First National Bank of Storm LakeCommunity Bank · Storm Lake · $8.6M CRE book
- McClave State BankCommunity Bank · Mcclave · $8.5M CRE book
- Generations BankCommunity Bank · Seneca Falls · $8.4M CRE book
- First State Bank of BrownsboroCommunity Bank · Brownsboro · $8.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.