WI lenders / Community Bank
Bank Five Nine
Community Bank · Oconomowoc, WI · Oconomowoc Bancshares Inc
- Total assets
- $2.6B
- CRE loan book
- $1.6B
- QoQ CRE growth
- 0.7%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
14 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.63% (14 variable / 0 fixed) · $9.0M total approved.
Borrower cities: Cypress (2), Houston (2), Rockwall, Tyler, Harker Heights, The Colony.
Source: SBA 7(a) FOIA dataset · most recent approval Feb 28, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.05% as of Q1 2026 — TX bank median 4.87% (2.18pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.05% | 7.03% |
| Q4 2025 | 7.37% | 7.35% |
| Q3 2025 | 7.34% | 7.32% |
| Q2 2025 | 7.31% | 7.28% |
| Q1 2025 | 6.93% | 6.92% |
| Q4 2024 | 7.03% | 7.02% |
| Q3 2024 | 6.96% | 6.96% |
| Q2 2024 | 6.64% | 6.66% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.6B | $254.9M | $26.0M | 179% | $28.5M |
| Q4 2025 | $1.6B | $273.5M | $26.2M | 194% | $13.7M |
| Q3 2025 | $1.5B | $285.7M | $26.4M | 203% | $8.4M |
| Q2 2025 | $1.4B | $266.9M | $26.5M | 228% | $4.9M |
| Q1 2025 | $1.5B | $265.9M | $26.7M | 237% | $6.3M |
| Q4 2024 | $1.4B | $248.8M | $26.9M | 239% | $9.5M |
| Q3 2024 | $1.4B | $286.5M | $27.1M | 265% | $6.5M |
| Q2 2024 | $1.3B | $274.9M | $27.3M | 267% | $5.4M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- City BankCommunity Bank · Lubbock · $1.6B CRE book
- Farmers & Merchants Bank of Central CaliforniaCommunity Bank · Lodi · $1.6B CRE book
- Orange Bank & Trust CompanyCommunity Bank · Middletown · $1.5B CRE book
- Leader Bank, National AssociationCommunity Bank · Arlington · $1.5B CRE book
- Coastal Community BankCommunity Bank · Everett · $1.5B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.