MI lenders / Community Bank
Thumb Bank and Trust
Community Bank · Pigeon, MI · Thumb Bcorp Employee Stk Ownership Plan
- Total assets
- $692.0M
- CRE loan book
- $138.3M
- QoQ CRE growth
- 9.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.22% as of Q1 2026 — TX bank median 4.87% (1.35pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.22% | 6.61% |
| Q4 2025 | 6.31% | 6.64% |
| Q3 2025 | 6.18% | 6.99% |
| Q2 2025 | 6.15% | 6.79% |
| Q1 2025 | 5.96% | 6.41% |
| Q4 2024 | 5.84% | 6.44% |
| Q3 2024 | 5.83% | 6.47% |
| Q2 2024 | 6.80% | 6.25% |
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 | $138.3M | $28.6M | $22.6M | 153% | $0 |
| Q4 2025 | $126.5M | $24.6M | $21.4M | 134% | $0 |
| Q3 2025 | $119.8M | $19.5M | $21.5M | 128% | $0 |
| Q2 2025 | $110.4M | $23.4M | $17.6M | 122% | $0 |
| Q1 2025 | $109.5M | $20.5M | $20.9M | 123% | $0 |
| Q4 2024 | $93.1M | $17.0M | $16.6M | 105% | $0 |
| Q3 2024 | $97.6M | $15.2M | $16.5M | 112% | $0 |
| Q2 2024 | $96.6M | $14.3M | $15.7M | 109% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Verus Bank of CommerceCommunity Bank · Fort Collins · $138.5M CRE book
- DR BankCommunity Bank · Darien · $138.7M CRE book
- Bank & Trust CompanyCommunity Bank · Litchfield · $137.3M CRE book
- The Citizens BankCommunity Bank · Farmington · $139.7M CRE book
- Farmers & Merchants State BankCommunity Bank · Waterloo · $139.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.