MI lenders / Community Bank
First National Bank of Michigan
Community Bank · Kalamazoo, MI · First National Bcorp Inc
- Total assets
- $982.4M
- CRE loan book
- $653.4M
- QoQ CRE growth
- 2.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.82% as of Q1 2026 — TX bank median 4.87% (0.96pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.82% | 5.89% |
| Q4 2025 | 6.07% | 6.04% |
| Q3 2025 | 5.90% | 6.05% |
| Q2 2025 | 5.95% | 6.07% |
| Q1 2025 | 5.72% | 5.88% |
| Q4 2024 | 5.96% | 6.06% |
| Q3 2024 | 5.82% | 6.03% |
| Q2 2024 | 5.75% | 5.84% |
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 | $653.4M | $58.3M | $112.5M | 480% | $6.5M |
| Q4 2025 | $639.0M | $49.5M | $119.4M | 473% | $6.6M |
| Q3 2025 | $618.3M | $41.2M | $115.1M | 462% | $4.8M |
| Q2 2025 | $610.9M | $43.0M | $117.2M | 456% | $0 |
| Q1 2025 | $598.7M | $49.2M | $102.4M | 455% | $171,000 |
| Q4 2024 | $590.7M | $58.1M | $102.9M | 465% | $171,000 |
| Q3 2024 | $591.5M | $57.6M | $106.1M | 462% | $92,000 |
| Q2 2024 | $582.8M | $58.4M | $93.3M | 456% | $105,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Signature BankCommunity Bank · Rosemont · $653.2M CRE book
- Servbank, National AssociationCommunity Bank · Oswego · $662.6M CRE book
- Peoples State BankCommunity Bank · Wausau · $666.1M CRE book
- Cornerstone BankCommunity Bank · Spencer · $679.3M CRE book
- Horicon BankCommunity Bank · Horicon · $683.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.