WI lenders / Community Bank
The Farmers State Bank of Waupaca
Community Bank · Waupaca, WI · Farmers State Bcorp Inc
- Total assets
- $275.9M
- CRE loan book
- $47.5M
- QoQ CRE growth
- 4.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.20% as of Q1 2026 — TX bank median 4.87% (1.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.20% | 6.44% |
| Q4 2025 | 6.40% | 6.63% |
| Q3 2025 | 6.38% | 6.61% |
| Q2 2025 | 6.24% | 6.50% |
| Q1 2025 | 6.19% | 6.42% |
| Q4 2024 | 6.23% | 6.57% |
| Q3 2024 | 5.99% | 6.34% |
| Q2 2024 | 5.81% | 6.17% |
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 | $47.5M | $14.5M | $5.1M | 66% | $0 |
| Q4 2025 | $45.4M | $12.9M | $5.2M | 63% | $0 |
| Q3 2025 | $43.8M | $12.7M | $5.3M | 59% | $0 |
| Q2 2025 | $42.3M | $10.6M | $5.4M | 55% | $0 |
| Q1 2025 | $43.7M | $11.4M | $5.4M | 60% | $0 |
| Q4 2024 | $44.9M | $12.3M | $5.2M | 64% | $43,000 |
| Q3 2024 | $44.2M | $10.9M | $5.2M | 57% | $107,000 |
| Q2 2024 | $44.1M | $10.5M | $5.3M | 57% | $106,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Commercial Bank of GraysonCommunity Bank · Grayson · $47.4M CRE book
- La Salle State BankCommunity Bank · La Salle · $47.0M CRE book
- Peoples Bank & Trust CompanyCommunity Bank · Manchester · $47.0M CRE book
- Farmers and Merchants BankCommunity Bank · Lafayette · $46.6M CRE book
- Alamosa State BankCommunity Bank · Alamosa · $46.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.