WI lenders / Community Bank
First Citizens State Bank
Community Bank · Whitewater, WI · Whitewater Bcorp Inc
- Total assets
- $511.4M
- CRE loan book
- $218.6M
- QoQ CRE growth
- 9.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.33% as of Q1 2026 — TX bank median 4.87% (1.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.33% | 6.37% |
| Q4 2025 | 6.36% | 6.42% |
| Q3 2025 | 6.34% | 6.42% |
| Q2 2025 | 6.13% | 6.22% |
| Q1 2025 | 6.04% | 6.13% |
| Q4 2024 | 6.08% | 6.16% |
| Q3 2024 | 5.76% | 5.90% |
| Q2 2024 | 5.72% | 5.85% |
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 | $218.6M | $31.6M | $100.1M | 166% | $0 |
| Q4 2025 | $200.0M | $24.6M | $97.7M | 157% | $0 |
| Q3 2025 | $183.0M | $29.5M | $77.6M | 144% | $0 |
| Q2 2025 | $178.7M | $32.8M | $70.1M | 142% | $0 |
| Q1 2025 | $178.4M | $32.7M | $71.5M | 146% | $0 |
| Q4 2024 | $185.7M | $34.8M | $81.8M | 160% | $0 |
| Q3 2024 | $152.6M | $30.1M | $49.5M | 118% | $0 |
| Q2 2024 | $139.4M | $22.3M | $48.3M | 108% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Connections BankCommunity Bank · Platte City · $218.1M CRE book
- Citizens State BankCommunity Bank · Woodville · $217.7M CRE book
- Trinity Capital Bank of TexasCommunity Bank · Ennis · $219.6M CRE book
- Bank of Prairie du SacCommunity Bank · Prairie Du Sac · $216.6M CRE book
- Citizens State Bank of New Castle, IndianaCommunity Bank · New Castle · $221.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.