SD lenders / Community Bank
Merchants State Bank
Community Bank · Freeman, SD · H&W Holding Co
- Total assets
- $217.6M
- CRE loan book
- $24.5M
- QoQ CRE growth
- 12.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.13% as of Q1 2026 — TX bank median 4.87% (2.27pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.13% | 7.20% |
| Q4 2025 | 7.17% | 7.25% |
| Q3 2025 | 7.59% | 7.63% |
| Q2 2025 | 7.30% | 7.52% |
| Q1 2025 | 7.38% | 7.46% |
| Q4 2024 | 6.93% | 7.19% |
| Q3 2024 | 7.30% | 7.60% |
| Q2 2024 | 7.12% | 7.58% |
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 | $24.5M | $0 | $0 | 25% | $0 |
| Q4 2025 | $21.9M | $0 | $0 | 26% | $0 |
| Q3 2025 | $21.9M | $0 | $0 | 16% | $0 |
| Q2 2025 | $20.6M | $0 | $0 | 14% | $0 |
| Q1 2025 | $19.4M | $0 | $0 | 14% | $0 |
| Q4 2024 | $18.7M | $0 | $0 | 14% | $0 |
| Q3 2024 | $21.4M | $0 | $0 | 23% | $37,000 |
| Q2 2024 | $24.2M | $0 | $0 | 24% | $38,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers & Merchants Bank & TrustCommunity Bank · Burlington · $24.5M CRE book
- Oakwood BankCommunity Bank · Pigeon Falls · $24.5M CRE book
- Bonduel State BankCommunity Bank · Bonduel · $24.4M CRE book
- The Exchange BankCommunity Bank · Skiatook · $24.6M CRE book
- The State Exchange BankCommunity Bank · Lamont · $24.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.