MI lenders / Community Bank
Highpoint Community Bank
Community Bank · Hastings, MI · Hcb Financial Corp
- Total assets
- $597.2M
- CRE loan book
- $193.6M
- QoQ CRE growth
- 8.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.54% as of Q1 2026 — TX bank median 4.87% (0.67pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.54% | 5.35% |
| Q4 2025 | 5.59% | 5.44% |
| Q3 2025 | 5.54% | 5.39% |
| Q2 2025 | 5.39% | 5.25% |
| Q1 2025 | 5.19% | 5.03% |
| Q4 2024 | 5.27% | 5.08% |
| Q3 2024 | 5.21% | 5.01% |
| Q2 2024 | 4.89% | 4.79% |
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 | $193.6M | $4.2M | $9.8M | 239% | $0 |
| Q4 2025 | $179.1M | $4.0M | $9.1M | 218% | $0 |
| Q3 2025 | $179.2M | $3.9M | $8.7M | 224% | $0 |
| Q2 2025 | $176.3M | $3.4M | $6.5M | 222% | $0 |
| Q1 2025 | $169.6M | $2.0M | $6.6M | 220% | $0 |
| Q4 2024 | $160.5M | $2.3M | $6.0M | 209% | $0 |
| Q3 2024 | $155.1M | $2.1M | $5.8M | 210% | $0 |
| Q2 2024 | $152.1M | $2.5M | $3.3M | 209% | $0 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- FNBC Bank & TrustCommunity Bank · La Grange · $193.9M CRE book
- Golden Valley BankCommunity Bank · Chico · $194.0M CRE book
- First Bank, Upper MichiganCommunity Bank · Gladstone · $193.0M CRE book
- The Killbuck Savings Bank CompanyCommunity Bank · Killbuck · $193.0M CRE book
- First Lockhart BankCommunity Bank · Lockhart · $192.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.