SD lenders / Community Bank
The Farmers and Merchants State Bank
Community Bank · Scotland, SD · Scotland Holding Co
- Total assets
- $36.1M
- CRE loan book
- $338,000
- QoQ CRE growth
- -2.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.90% as of Q1 2026 — TX bank median 4.87% (3.03pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.90% | 8.15% |
| Q4 2025 | 6.56% | 7.86% |
| Q3 2025 | 6.15% | 8.17% |
| Q2 2025 | 6.00% | 8.20% |
| Q1 2025 | 6.04% | 8.16% |
| Q4 2024 | 5.50% | 8.13% |
| Q3 2024 | 5.93% | 8.31% |
| Q2 2024 | 5.86% | 8.38% |
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 | $338,000 | $0 | $0 | 0% | $0 |
| Q4 2025 | $348,000 | $0 | $0 | 0% | $0 |
| Q3 2025 | $745,000 | $0 | $387,000 | 9% | $0 |
| Q2 2025 | $756,000 | $0 | $389,000 | 9% | $0 |
| Q1 2025 | $796,000 | $0 | $392,000 | 9% | $0 |
| Q4 2024 | $747,000 | $0 | $394,000 | 10% | $0 |
| Q3 2024 | $760,000 | $0 | $396,000 | 10% | $0 |
| Q2 2024 | $773,000 | $0 | $399,000 | 10% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Prescott State BankCommunity Bank · Prescott · $342,000 CRE book
- First State Bank of St. PeterCommunity Bank · Saint Peter · $347,000 CRE book
- Sibley State BankCommunity Bank · Sibley · $435,000 CRE book
- Odin State BankCommunity Bank · Odin · $435,000 CRE book
- Williamsville State Bank & TrustCommunity Bank · Williamsville · $444,000 CRE book
See all alternatives to The Farmers and Merchants State Bank →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.