MI lenders / Community Bank
First Community Bank
Community Bank · Harbor Springs, MI · Harbor Springs Financial Corp
- Total assets
- $414.0M
- CRE loan book
- $236.9M
- QoQ CRE growth
- 3.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.47% as of Q1 2026 — TX bank median 4.87% (1.61pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.47% | 6.58% |
| Q4 2025 | 6.42% | 6.52% |
| Q3 2025 | 6.47% | 6.61% |
| Q2 2025 | 6.28% | 6.47% |
| Q1 2025 | 6.15% | 6.26% |
| Q4 2024 | 6.27% | 6.38% |
| Q3 2024 | 6.15% | 6.33% |
| Q2 2024 | 6.22% | 6.38% |
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 | $236.9M | $15.2M | $23.3M | 282% | $0 |
| Q4 2025 | $228.0M | $17.7M | $18.3M | 274% | $0 |
| Q3 2025 | $223.1M | $15.5M | $17.4M | 263% | $0 |
| Q2 2025 | $225.8M | $12.7M | $17.9M | 274% | $0 |
| Q1 2025 | $222.6M | $12.6M | $18.7M | 268% | $0 |
| Q4 2024 | $215.5M | $15.0M | $18.2M | 283% | $0 |
| Q3 2024 | $219.3M | $21.2M | $17.9M | 287% | $0 |
| Q2 2024 | $214.2M | $19.6M | $17.6M | 280% | $0 |
Signals
Recent news
- First Community Corporation (NASDAQ: FCCO) maps Atlanta expansion, loan growth and CEO succession - Stock Titan — Coverage of First Community Bank related to lending reported by stocktitan.net.Aug 10, 2026
- FCBC|First Community Bankshares Inc|Price:47.720|Chg%:+0.090 - TradingKey — Coverage of First Community Bank related to commercial real estate and lending reported by tradingkey.com.Jul 31, 2026
- FCBC|First Community Bankshares Inc|Price:47.610|Chg%:-0.030 - TradingKey — Coverage of First Community Bank related to commercial real estate and lending reported by tradingkey.com.Jul 30, 2026
- FCBC|First Community Bankshares Inc|Price:47.730|Chg%:+0.100 - TradingKey — Coverage of First Community Bank related to commercial real estate and lending reported by tradingkey.com.Jul 24, 2026
- First Community Bank, Conway Regional Announce New Hires (Movers & Shakers) - Arkansas Business — Coverage of First Community Bank related to commercial real estate and lending reported by arkansasbusiness.com.May 18, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State BankCommunity Bank · Russellville · $234.9M CRE book
- HNB National BankCommunity Bank · Hannibal · $234.9M CRE book
- Farmers Bank and Trust CompanyCommunity Bank · Marion · $243.7M CRE book
- The Bank of New GlarusCommunity Bank · New Glarus · $228.8M CRE book
- The New Washington State BankCommunity Bank · New Washington · $227.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.