OH lenders / Community Bank
The State Bank and Trust Company
Community Bank · Defiance, OH · Sb Financial Group Inc
- Total assets
- $1.6B
- CRE loan book
- $535.4M
- QoQ CRE growth
- -0.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.71% as of Q1 2026 — TX bank median 4.87% (0.84pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.71% | 5.86% |
| Q4 2025 | 5.89% | 6.04% |
| Q3 2025 | 5.79% | 5.96% |
| Q2 2025 | 5.71% | 5.88% |
| Q1 2025 | 5.55% | 5.72% |
| Q4 2024 | 5.61% | 5.75% |
| Q3 2024 | 5.50% | 5.71% |
| Q2 2024 | 5.36% | 5.58% |
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 | $535.4M | $79.9M | $92.5M | 225% | $565,000 |
| Q4 2025 | $536.6M | $100.8M | $78.1M | 237% | $570,000 |
| Q3 2025 | $471.0M | $83.2M | $63.2M | 211% | $573,000 |
| Q2 2025 | $461.9M | $79.2M | $60.6M | 203% | $574,000 |
| Q1 2025 | $451.7M | $63.2M | $62.8M | 199% | $583,000 |
| Q4 2024 | $424.5M | $56.1M | $49.3M | 177% | $591,000 |
| Q3 2024 | $407.5M | $48.0M | $50.1M | 170% | $596,000 |
| Q2 2024 | $387.7M | $38.7M | $40.3M | 159% | $448,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Farmers and Merchants BankCommunity Bank · Columbia · $529.0M CRE book
- DMB Community BankCommunity Bank · Madison · $545.5M CRE book
- Financial Federal BankCommunity Bank · Memphis · $524.6M CRE book
- Schertz Bank & TrustCommunity Bank · Schertz · $524.2M CRE book
- Exchange BankCommunity Bank · Kearney · $522.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.