MI lenders / Community Bank
United Bank of Michigan
Community Bank · Grand Rapids, MI · United Bank Financial Corp
- Total assets
- $1.1B
- CRE loan book
- $621.1M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.44% as of Q1 2026 — TX bank median 4.87% (0.58pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.44% | 5.47% |
| Q4 2025 | 5.62% | 5.64% |
| Q3 2025 | 5.61% | 5.64% |
| Q2 2025 | 5.42% | 5.45% |
| Q1 2025 | 5.34% | 5.36% |
| Q4 2024 | 5.33% | 5.37% |
| Q3 2024 | 5.38% | 5.43% |
| Q2 2024 | 5.19% | 5.24% |
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 | $621.1M | $40.1M | $82.9M | 425% | $0 |
| Q4 2025 | $615.3M | $35.3M | $83.7M | 429% | $0 |
| Q3 2025 | $622.4M | $40.6M | $86.2M | 444% | $0 |
| Q2 2025 | $594.0M | $54.1M | $85.4M | 433% | $0 |
| Q1 2025 | $598.7M | $49.7M | $84.2M | 444% | $0 |
| Q4 2024 | $590.5M | $41.4M | $81.7M | 462% | $0 |
| Q3 2024 | $589.0M | $43.8M | $81.3M | 472% | $0 |
| Q2 2024 | $574.8M | $42.6M | $81.5M | 464% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Blue Sky BankCommunity Bank · Pawhuska · $618.9M CRE book
- First Citizens BankCommunity Bank · Mason City · $616.5M CRE book
- Cornerstone Capital Bank, SSBCommunity Bank · Houston · $612.8M CRE book
- Farmers State BankCommunity Bank · Waterloo · $608.1M CRE book
- BOM BankCommunity Bank · Natchitoches · $602.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.