MI lenders / Community Bank
Baybank
Community Bank · Gladstone, MI · Baybank Corp
- Total assets
- $175.1M
- CRE loan book
- $38.5M
- QoQ CRE growth
- 4.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.90% as of Q1 2026 — TX bank median 4.87% (2.04pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.90% | 7.53% |
| Q4 2025 | 7.02% | 7.69% |
| Q3 2025 | 7.13% | 7.74% |
| Q2 2025 | 6.89% | 7.58% |
| Q1 2025 | 6.51% | 7.28% |
| Q4 2024 | 6.95% | 7.52% |
| Q3 2024 | 6.87% | 7.37% |
| Q2 2024 | 6.54% | 7.15% |
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 | $38.5M | $8.7M | $3.0M | 87% | $0 |
| Q4 2025 | $36.7M | $9.1M | $3.1M | 91% | $0 |
| Q3 2025 | $35.3M | $7.8M | $3.4M | 88% | $0 |
| Q2 2025 | $34.1M | $7.8M | $3.3M | 90% | $0 |
| Q1 2025 | $33.6M | $8.3M | $2.7M | 92% | $0 |
| Q4 2024 | $32.1M | $7.8M | $3.2M | 89% | $0 |
| Q3 2024 | $32.0M | $8.1M | $3.2M | 94% | $0 |
| Q2 2024 | $29.7M | $7.4M | $2.3M | 87% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National Bank in OlneyCommunity Bank · Olney · $38.5M CRE book
- RiverBankCommunity Bank · Pocahontas · $38.5M CRE book
- Bank of DeSoto, National AssociationCommunity Bank · De Soto · $39.0M CRE book
- Concordia Bank of Concordia, MissouriCommunity Bank · Concordia · $39.0M CRE book
- The First National Bank of AllendaleCommunity Bank · Allendale · $39.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.