MI lenders / Community Bank
Eastern Michigan Bank
Community Bank · Croswell, MI · Mercantile Bank Corp
- Total assets
- $567.8M
- CRE loan book
- $83.9M
- QoQ CRE growth
- 0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.45% as of Q1 2026 — TX bank median 4.87% (1.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.45% | 6.85% |
| Q4 2025 | — | — |
| Q3 2025 | 6.38% | 6.34% |
| Q2 2025 | 6.38% | 6.34% |
| Q1 2025 | 5.99% | 5.96% |
| Q4 2024 | 7.61% | 7.15% |
| Q3 2024 | 6.21% | 6.20% |
| Q2 2024 | 5.85% | 6.03% |
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 | $83.9M | $6.9M | $6.4M | 62% | $467,000 |
| Q4 2025 | $83.5M | $8.2M | $1.5M | 64% | $488,000 |
| Q3 2025 | $86.0M | $7.7M | $1.5M | 61% | $509,000 |
| Q2 2025 | $85.7M | $7.6M | $1.5M | 63% | $546,000 |
| Q1 2025 | $79.1M | $7.6M | $1.2M | 65% | $1.2M |
| Q4 2024 | $78.2M | $7.2M | $1.3M | 65% | $1.2M |
| Q3 2024 | $71.9M | $2.9M | $1.3M | 49% | $890,000 |
| Q2 2024 | $71.0M | $2.9M | $1.3M | 50% | $906,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Huron Community BankCommunity Bank · East Tawas · $83.6M CRE book
- Incommons Bank, N.A.Community Bank · Mexia · $84.2M CRE book
- F&M BankCommunity Bank · West Point · $83.3M CRE book
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- Winnsboro State Bank & Trust CompanyCommunity Bank · Winnsboro · $84.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.