MI lenders / Community Bank
First National Bank of America
Community Bank · East Lansing, MI · First National Bancshares Inc
- Total assets
- $6.8B
- CRE loan book
- $385.3M
- QoQ CRE growth
- 2.4%
- Q1 2026
Recorded CRE activity — harris County
2 commercial deeds of trust recorded recently, verified from county records.
- Aug 21, 2026 · unknownundisclosed
- Aug 5, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 8.50% as of Q1 2026 — TX bank median 4.87% (3.63pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 8.50% | 8.49% |
| Q4 2025 | 8.54% | 8.53% |
| Q3 2025 | 8.58% | 8.58% |
| Q2 2025 | 8.48% | 8.48% |
| Q1 2025 | 8.56% | 8.54% |
| Q4 2024 | 8.54% | 8.53% |
| Q3 2024 | 8.46% | 8.45% |
| Q2 2024 | 8.45% | 8.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $385.3M | $222.6M | $88.0M | 60% | $6.7M |
| Q4 2025 | $376.4M | $208.3M | $89.0M | 58% | $6.3M |
| Q3 2025 | $354.1M | $190.8M | $83.3M | 55% | $7.4M |
| Q2 2025 | $342.7M | $175.2M | $86.2M | 53% | $7.2M |
| Q1 2025 | $312.1M | $152.2M | $81.0M | 48% | $8.0M |
| Q4 2024 | $290.6M | $132.9M | $80.2M | 46% | $5.9M |
| Q3 2024 | $258.8M | $114.5M | $68.8M | 40% | $4.7M |
| Q2 2024 | $233.6M | $100.7M | $63.9M | 36% | $3.6M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Ephrata National BankCommunity Bank · Ephrata · $389.1M CRE book
- Texas Heritage National BankCommunity Bank · Daingerfield · $389.7M CRE book
- Farmers and Merchants Union BankCommunity Bank · Columbus · $380.9M CRE book
- CIBM BankCommunity Bank · Champaign · $379.8M CRE book
- Mid America BankCommunity Bank · Jefferson City · $378.1M CRE book
Markets where First National Bank of America lends
First National Bank of America has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Aug 21, 2026 · Sources: FFIEC CDR, county records, first-party conversations.