WI lenders / Community Bank
Independence State Bank
Community Bank · Independence, WI · Northern Financial Corp
- Total assets
- $85.9M
- CRE loan book
- $15.2M
- QoQ CRE growth
- -0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.43% as of Q1 2026 — TX bank median 4.87% (2.56pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.43% | 6.74% |
| Q4 2025 | 7.88% | 7.00% |
| Q3 2025 | 8.01% | 6.98% |
| Q2 2025 | 7.77% | 6.84% |
| Q1 2025 | 7.81% | 6.76% |
| Q4 2024 | 7.87% | 6.82% |
| Q3 2024 | 7.64% | 6.81% |
| Q2 2024 | 7.04% | 6.46% |
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 | $15.2M | $2.4M | $0 | 90% | $0 |
| Q4 2025 | $15.2M | $2.9M | $0 | 92% | $0 |
| Q3 2025 | $14.3M | $2.7M | $0 | 95% | $0 |
| Q2 2025 | $13.3M | $3.1M | $0 | 94% | $0 |
| Q1 2025 | $11.9M | $3.2M | $0 | 101% | $0 |
| Q4 2024 | $11.2M | $2.9M | $0 | 95% | $0 |
| Q3 2024 | $11.3M | $3.5M | $0 | 103% | $0 |
| Q2 2024 | $12.4M | $4.6M | $0 | 119% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The First National Bank of ColeraineCommunity Bank · Coleraine · $15.3M CRE book
- Bank of HallsCommunity Bank · Halls · $15.1M CRE book
- HomePride BankCommunity Bank · Mansfield · $15.4M CRE book
- Bank of HazlehurstCommunity Bank · Hazlehurst · $15.4M CRE book
- Union State BankCommunity Bank · West Salem · $15.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.