MI lenders / Community Bank
Central Savings Bank
Community Bank · Sault Sainte Marie, MI · Central Bank Corp
- Total assets
- $488.2M
- CRE loan book
- $151.8M
- QoQ CRE growth
- 3.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.47% as of Q1 2026 — TX bank median 4.87% (2.60pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.47% | 6.84% |
| Q4 2025 | 7.43% | 7.31% |
| Q3 2025 | 7.11% | 7.37% |
| Q2 2025 | 7.62% | 7.69% |
| Q1 2025 | 7.39% | 7.09% |
| Q4 2024 | 7.93% | 7.17% |
| Q3 2024 | 7.35% | 6.96% |
| Q2 2024 | 7.11% | 7.06% |
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 | $151.8M | $33.0M | $173,000 | 147% | $0 |
| Q4 2025 | $146.6M | $30.1M | $176,000 | 145% | $0 |
| Q3 2025 | $132.6M | $25.2M | $179,000 | 133% | $99,000 |
| Q2 2025 | $124.4M | $20.0M | $181,000 | 125% | $99,000 |
| Q1 2025 | $110.2M | $14.8M | $455,000 | 105% | $125,000 |
| Q4 2024 | $104.4M | $7.7M | $562,000 | 99% | $198,000 |
| Q3 2024 | $100.7M | $7.4M | $275,000 | 94% | $359,000 |
| Q2 2024 | $90.6M | $6.9M | $575,000 | 81% | $120,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Community First BankCommunity Bank · Boscobel · $150.9M CRE book
- Oostburg State BankCommunity Bank · Oostburg · $150.8M CRE book
- Chelsea State BankCommunity Bank · Chelsea · $152.9M CRE book
- The Colorado Bank and Trust Company of La JuntaCommunity Bank · La Junta · $150.2M CRE book
- University BankCommunity Bank · Ann Arbor · $153.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.