WI lenders / Community Bank
Citizens Bank
Community Bank · Mukwonago, WI · Citizens Bank Holding Inc
- Total assets
- $1.2B
- CRE loan book
- $577.1M
- QoQ CRE growth
- 1.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.81% as of Q1 2026 — TX bank median 4.87% (0.94pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.81% | 5.95% |
| Q4 2025 | 5.96% | 6.14% |
| Q3 2025 | 5.82% | 6.04% |
| Q2 2025 | 5.90% | 6.13% |
| Q1 2025 | 5.47% | 5.68% |
| Q4 2024 | 5.63% | 5.94% |
| Q3 2024 | 5.47% | 5.70% |
| Q2 2024 | 5.33% | 5.59% |
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 | $577.1M | $91.3M | $76.5M | 281% | $795,000 |
| Q4 2025 | $567.8M | $86.3M | $73.6M | 278% | $724,000 |
| Q3 2025 | $534.6M | $73.8M | $75.7M | 261% | $813,000 |
| Q2 2025 | $548.9M | $76.2M | $79.7M | 274% | $771,000 |
| Q1 2025 | $558.7M | $87.1M | $82.4M | 283% | $1.3M |
| Q4 2024 | $559.1M | $101.0M | $82.1M | 284% | $15.1M |
| Q3 2024 | $563.5M | $100.0M | $94.5M | 296% | $15.1M |
| Q2 2024 | $566.4M | $98.9M | $102.1M | 302% | $14.7M |
Signals
Recent news
- Jessica Rascionato of Citizens Bank Breaks Down Real Estate Lending - Commercial Observer — Coverage of Citizens Bank related to lending reported by commercialobserver.com.Oct 5, 2026
- Bay Area newcomer Citizens Bank sees surge in local deposits thanks to rapid growth of private bank - The Business Journals — Coverage of Citizens Bank related to commercial real estate and lending reported by bizjournals.com.Sep 23, 2026
- First Citizens Bank Lends $157M For Self-Storage Fund - law360.com — Coverage of Citizens Bank related to commercial real estate and lending reported by law360.com.Sep 14, 2026
- First Citizens Bank Lends $157M For Self-Storage Fund - Law360 — Coverage of Citizens Bank related to commercial real estate and lending reported by law360.com.Sep 14, 2026
- First Citizens Bank Provides $157 Million Financing to Morningstar Properties - citybiz — Coverage of Citizens Bank related to commercial real estate and lending reported by citybiz.co.Sep 14, 2026
- First Citizens Bank Provides $157 Million to Morningstar Properties - PR Newswire — Coverage of Citizens Bank related to commercial real estate and lending reported by prnewswire.com.Sep 14, 2026
- Citizens Bank exec Mark Lehmann makes no apologies for San Francisco - The Business Journals — Coverage of Citizens Bank related to commercial real estate and lending reported by bizjournals.com.Aug 21, 2026
- First Citizens Bank & Trust Expands San Diego Office Footprint - CommercialCafe — Coverage of Citizens Bank related to commercial real estate and lending reported by commercialcafe.com.Aug 14, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of WashingtonCommunity Bank · Washington · $576.0M CRE book
- Commercial Bank of Texas, National AssociationCommunity Bank · Nacogdoches · $571.4M CRE book
- Lincoln Savings BankCommunity Bank · Reinbeck · $569.5M CRE book
- American Bank & TrustCommunity Bank · Sioux Falls · $589.5M CRE book
- InBankCommunity Bank · Raton · $595.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.