MI lenders / Community Bank
The Shelby State Bank
Community Bank · Shelby, MI · Shelby Financial Corp
- Total assets
- $391.5M
- CRE loan book
- $125.6M
- QoQ CRE growth
- 1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.64% as of Q1 2026 — TX bank median 4.87% (0.78pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.64% | 6.28% |
| Q4 2025 | 5.71% | 6.41% |
| Q3 2025 | 5.63% | 6.37% |
| Q2 2025 | 5.64% | 6.35% |
| Q1 2025 | 5.62% | 6.11% |
| Q4 2024 | 5.74% | 6.24% |
| Q3 2024 | 5.67% | 6.19% |
| Q2 2024 | 5.46% | 5.98% |
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 | $125.6M | $13.8M | $5.7M | 220% | $0 |
| Q4 2025 | $123.4M | $11.3M | $5.8M | 214% | $0 |
| Q3 2025 | $122.9M | $11.2M | $5.8M | 221% | $0 |
| Q2 2025 | $124.1M | $13.0M | $6.1M | 219% | $0 |
| Q1 2025 | $120.6M | $10.7M | $6.2M | 219% | $0 |
| Q4 2024 | $118.0M | $10.2M | $4.4M | 218% | $0 |
| Q3 2024 | $123.8M | $12.3M | $4.6M | 236% | $0 |
| Q2 2024 | $118.4M | $12.0M | $4.9M | 225% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National Bank ColoradoCommunity Bank · Las Animas · $124.9M CRE book
- Exchange Bank and Trust CompanyCommunity Bank · Perry · $126.5M CRE book
- Byron BankCommunity Bank · Byron · $126.6M CRE book
- Bank of FrankewingCommunity Bank · Frankewing · $124.6M CRE book
- Interamerican Bank, A FSBCommunity Bank · Miami · $127.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.