MI lenders / Community Bank
First State Bank of Michigan
Community Bank · Decatur, MI · Gtsb Financial Inc
- Total assets
- $83.2M
- CRE loan book
- $4.9M
- QoQ CRE growth
- -6.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.86% as of Q1 2026 — TX bank median 4.87% (2.00pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.86% | 6.46% |
| Q4 2025 | 7.07% | 7.44% |
| Q3 2025 | 7.10% | 7.38% |
| Q2 2025 | 6.75% | 7.13% |
| Q1 2025 | 6.91% | 7.35% |
| Q4 2024 | — | 4.68% |
| Q3 2024 | 5.28% | 5.73% |
| Q2 2024 | 5.27% | 5.65% |
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 | $4.9M | $0 | $0 | 7% | $0 |
| Q4 2025 | $5.3M | $0 | $0 | 8% | $0 |
| Q3 2025 | $5.2M | $245,000 | $0 | 9% | $0 |
| Q2 2025 | $4.0M | $245,000 | $0 | 5% | $0 |
| Q1 2025 | $1.0M | $205,000 | $0 | 5% | $0 |
| Q4 2024 | $1.0M | $205,000 | $0 | 5% | $0 |
| Q3 2024 | $996,000 | $110,000 | $0 | 4% | $0 |
| Q2 2024 | $1.3M | $534,000 | $0 | 7% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers State Bank of BrushCommunity Bank · Brush · $5.0M CRE book
- Farmers State Bank of Western IllinoisCommunity Bank · Alpha · $5.0M CRE book
- State Bank of Cold SpringCommunity Bank · Cold Spring · $5.1M CRE book
- Dewey BankCommunity Bank · Dewey · $5.2M CRE book
- Mayville State BankCommunity Bank · Mayville · $5.2M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.