TN lenders / Community Bank
Farmers State Bank
Community Bank · Mountain City, TN · Farmers State Bancshares Inc
- Total assets
- $229.9M
- CRE loan book
- $51.9M
- QoQ CRE growth
- 2.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.15% as of Q1 2026 — TX bank median 4.87% (1.29pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.15% | 6.43% |
| Q4 2025 | 6.29% | 6.56% |
| Q3 2025 | 6.26% | 6.63% |
| Q2 2025 | 5.98% | 6.33% |
| Q1 2025 | 5.74% | 6.10% |
| Q4 2024 | 5.88% | 6.18% |
| Q3 2024 | 5.55% | 5.86% |
| Q2 2024 | 5.38% | 5.72% |
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 | $51.9M | $19.4M | $7.0M | 111% | $0 |
| Q4 2025 | $50.6M | $23.2M | $7.1M | 121% | $0 |
| Q3 2025 | $47.7M | $20.3M | $7.1M | 114% | $0 |
| Q2 2025 | $45.7M | $21.1M | $7.2M | 119% | $0 |
| Q1 2025 | $48.0M | $20.1M | $10.4M | 128% | $0 |
| Q4 2024 | $46.3M | $18.8M | $10.5M | 124% | $0 |
| Q3 2024 | $44.5M | $20.4M | $6.6M | 121% | $0 |
| Q2 2024 | $42.5M | $18.4M | $6.7M | 115% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Miners State BankCommunity Bank · Iron River · $52.1M CRE book
- Sundance State BankCommunity Bank · Sundance · $51.7M CRE book
- Iron Workers Savings BankCommunity Bank · Aston · $51.6M CRE book
- Central Bank and TrustCommunity Bank · Lander · $52.3M CRE book
- Bison State BankCommunity Bank · Bison · $52.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.