WI lenders / Community Bank
Farmers & Merchants State Bank
Community Bank · Waterloo, WI · Maunesha Bancshares Inc
- Total assets
- $245.6M
- CRE loan book
- $139.7M
- QoQ CRE growth
- 1.3%
- Q1 2026
Recorded CRE activity — oh-franklin County
4 commercial deeds of trust recorded recently, verified from county records.
- Aug 14, 2026 · landundisclosed
- Aug 10, 2026 · unknownundisclosed
- Jul 28, 2026 · unknownundisclosed
- Jul 13, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.46% as of Q1 2026 — TX bank median 4.87% (0.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.46% | 5.48% |
| Q4 2025 | 5.51% | 5.54% |
| Q3 2025 | 5.35% | 5.37% |
| Q2 2025 | 5.36% | 5.37% |
| Q1 2025 | 5.17% | 5.18% |
| Q4 2024 | 5.18% | 5.19% |
| Q3 2024 | 5.04% | 5.05% |
| Q2 2024 | 4.98% | 4.99% |
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 | $139.7M | $6.7M | $89.9M | 463% | $0 |
| Q4 2025 | $138.0M | $3.8M | $85.8M | 447% | $0 |
| Q3 2025 | $137.6M | $4.1M | $89.9M | 452% | $0 |
| Q2 2025 | $137.5M | $3.0M | $91.3M | 460% | $0 |
| Q1 2025 | $136.0M | $1.8M | $91.6M | 460% | $0 |
| Q4 2024 | $135.7M | $1.8M | $91.6M | 464% | $0 |
| Q3 2024 | $132.4M | $1.2M | $87.9M | 444% | $0 |
| Q2 2024 | $132.9M | $2.5M | $86.9M | 449% | $0 |
Signals
Recent news
- Farmers & Merchants Bancorp, Inc. Reports 2026 Second-Quarter and Year-to-Date Financial Results - manilatimes.net — Coverage of Farmers & Merchants State Bank related to commercial real estate and lending reported by manilatimes.net.Jul 27, 2026
- Preliminary: Farmers & Merchants Bancorp reports 93 profitable quarters - Stock Titan — Coverage of Farmers & Merchants State Bank related to commercial real estate and lending reported by stocktitan.net.Jul 27, 2026
- Director Andrew Briggs Sells 9,000 Shares of Farmers & Merchants Bancorp Inc (FMAO) - GuruFocus — Coverage of Farmers & Merchants State Bank related to commercial real estate and lending reported by gurufocus.com.Jul 16, 2026
- Director Andrew Briggs Sells 6,000 Shares of Farmers & Merchants Bancorp Inc (FMAO) - GuruFocus — Coverage of Farmers & Merchants State Bank related to commercial real estate and lending reported by gurufocus.com.May 14, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Aug 14, 2026 · Sources: FFIEC CDR, county records, first-party conversations.