OK lenders / Community Bank
Farmers and Merchants Bank
Community Bank · Arnett, OK
- Total assets
- $83.8M
- CRE loan book
- $2.7M
- QoQ CRE growth
- 5.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.12% as of Q1 2026 — TX bank median 4.87% (1.26pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.12% | 6.95% |
| Q4 2025 | 6.21% | 7.01% |
| Q3 2025 | 5.94% | 7.18% |
| Q2 2025 | 6.09% | 7.12% |
| Q1 2025 | 5.95% | 6.92% |
| Q4 2024 | 6.04% | 7.07% |
| Q3 2024 | 6.07% | 6.98% |
| Q2 2024 | 5.90% | 6.79% |
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 | $2.7M | $0 | $0 | 25% | $0 |
| Q4 2025 | $2.5M | $0 | $0 | 24% | $0 |
| Q3 2025 | $2.6M | $0 | $0 | 25% | $0 |
| Q2 2025 | $2.4M | $0 | $0 | 26% | $0 |
| Q1 2025 | $2.3M | $0 | $0 | 23% | $0 |
| Q4 2024 | $2.4M | $0 | $0 | 23% | $0 |
| Q3 2024 | $2.5M | $0 | $0 | 25% | $0 |
| Q2 2024 | $2.5M | $0 | $0 | 26% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers and Merchants State Bank of SpringfieldCommunity Bank · Springfield · $2.7M CRE book
- Logan State BankCommunity Bank · Logan · $2.7M CRE book
- Benton County State BankCommunity Bank · Blairstown · $2.6M CRE book
- The First State Bank of DongolaCommunity Bank · Dongola · $2.6M CRE book
- Chambers State BankCommunity Bank · Chambers · $2.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.