SC lenders / Community Bank
Enterprise Bank of South Carolina
Community Bank · Ehrhardt, SC · Varn Financial Corp
- Total assets
- $522.2M
- CRE loan book
- $107.1M
- QoQ CRE growth
- 21.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.22% as of Q1 2026 — TX bank median 4.87% (1.36pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.22% | 6.04% |
| Q4 2025 | 6.35% | 6.32% |
| Q3 2025 | 6.30% | 6.40% |
| Q2 2025 | 6.63% | 6.68% |
| Q1 2025 | 6.12% | 6.26% |
| Q4 2024 | 5.55% | 5.80% |
| Q3 2024 | 5.65% | 6.02% |
| Q2 2024 | 5.15% | 5.75% |
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 | $107.1M | $25.8M | $0 | 124% | $271,000 |
| Q4 2025 | $88.3M | $14.4M | $0 | 119% | $285,000 |
| Q3 2025 | $88.9M | $9.7M | $4,000 | 113% | $289,000 |
| Q2 2025 | $89.1M | $8.5M | $6,000 | 115% | $301,000 |
| Q1 2025 | $90.7M | $13.6M | $6,000 | 133% | $161,000 |
| Q4 2024 | $85.8M | $11.3M | $7,000 | 118% | $873,000 |
| Q3 2024 | $85.1M | $10.7M | $8,000 | 118% | $53,000 |
| Q2 2024 | $89.9M | $11.3M | $9,000 | 136% | $373,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Citizens Bank of SwainsboroCommunity Bank · Swainsboro · $106.2M CRE book
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
- First State Bank & TrustCommunity Bank · Williston · $106.1M CRE book
- First State BankCommunity Bank · Irvington · $108.4M CRE book
- Peoples Trust Company of St. AlbansCommunity Bank · Saint Albans · $105.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.