MI lenders / Community Bank
Chelsea State Bank
Community Bank · Chelsea, MI · Csb Bcorp Inc
- Total assets
- $422.3M
- CRE loan book
- $152.9M
- QoQ CRE growth
- 2.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.77% as of Q1 2026 — TX bank median 4.87% (0.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.77% | 6.13% |
| Q4 2025 | 6.40% | 6.59% |
| Q3 2025 | 6.40% | 6.70% |
| Q2 2025 | 6.43% | 6.64% |
| Q1 2025 | 6.18% | 6.45% |
| Q4 2024 | 6.29% | 6.68% |
| Q3 2024 | 6.92% | 7.07% |
| Q2 2024 | 6.25% | 6.53% |
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 | $152.9M | $7.8M | $7.9M | 114% | $3.1M |
| Q4 2025 | $149.3M | $9.3M | $8.0M | 116% | $3.1M |
| Q3 2025 | $150.0M | $9.4M | $8.0M | 118% | $84,000 |
| Q2 2025 | $150.3M | $10.9M | $8.1M | 126% | $96,000 |
| Q1 2025 | $151.9M | $14.8M | $10.3M | 140% | $108,000 |
| Q4 2024 | $151.7M | $13.4M | $10.4M | 141% | $119,000 |
| Q3 2024 | $148.8M | $10.8M | $10.4M | 138% | $132,000 |
| Q2 2024 | $149.8M | $13.3M | $10.5M | 139% | $144,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- University BankCommunity Bank · Ann Arbor · $153.5M CRE book
- Shamrock Bank, N.A.Community Bank · Coalgate · $153.7M CRE book
- First State Bank and Trust Company, Inc.Community Bank · Caruthersville · $153.8M CRE book
- Central Savings BankCommunity Bank · Sault Sainte Marie · $151.8M CRE book
- Springs Valley Bank & Trust CompanyCommunity Bank · French Lick · $154.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.