MI lenders / Community Bank
University Bank
Community Bank · Ann Arbor, MI · University Bcorp Inc
- Total assets
- $1.1B
- CRE loan book
- $153.5M
- QoQ CRE growth
- -1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.45% as of Q1 2026 — TX bank median 4.87% (1.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.45% | 6.55% |
| Q4 2025 | 6.46% | 6.52% |
| Q3 2025 | 6.52% | 6.54% |
| Q2 2025 | 6.36% | 6.50% |
| Q1 2025 | 6.44% | 6.49% |
| Q4 2024 | 6.61% | 6.65% |
| Q3 2024 | 6.53% | 6.56% |
| Q2 2024 | 6.29% | 6.33% |
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 | $153.5M | $25.2M | $943,000 | 77% | $0 |
| Q4 2025 | $155.7M | $24.4M | $555,000 | 78% | $0 |
| Q3 2025 | $151.2M | $21.5M | $559,000 | 75% | $210,000 |
| Q2 2025 | $146.2M | $19.3M | $1.1M | 80% | $0 |
| Q1 2025 | $134.8M | $15.6M | $1.1M | 76% | $0 |
| Q4 2024 | $125.7M | $12.3M | $1.1M | 70% | $0 |
| Q3 2024 | $125.0M | $14.8M | $1.3M | 72% | $0 |
| Q2 2024 | $128.8M | $17.1M | $2.4M | 83% | $0 |
Signals
Recent news
- University, bank partner to grow Northern Rivers business talent - Times News Group — Coverage of University Bank related to commercial real estate and lending reported by timesnewsgroup.com.au.Aug 3, 2026
- University, bank partner to grow Northern Rivers business talent - timesnewsgroup.com.au — Coverage of University Bank related to commercial real estate and lending reported by timesnewsgroup.com.au.Aug 3, 2026
- Eastern Michigan Athletics, University Bank Announce Landmark Branding Agreement - Learfield — Coverage of University Bank related to commercial real estate and lending reported by learfield.com.Jun 29, 2026
- University Bancorp Receives All Regulatory Approvals for Acquisition of Greater Pacific Bancshares & its Subsidiary Bank of Whittier, N.A. - ACCESS Newswire — Coverage of University Bank related to M&A activity and regulatory matters reported by accessnewswire.com.May 28, 2026
- University City-based bank expands footprint with Glen Carbon and South County locations - bizjournals.com — Coverage of University Bank related to commercial real estate and lending reported by bizjournals.com.May 11, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Shamrock Bank, N.A.Community Bank · Coalgate · $153.7M CRE book
- First State Bank and Trust Company, Inc.Community Bank · Caruthersville · $153.8M CRE book
- Chelsea State BankCommunity Bank · Chelsea · $152.9M CRE book
- Springs Valley Bank & Trust CompanyCommunity Bank · French Lick · $154.3M CRE book
- Central Savings BankCommunity Bank · Sault Sainte Marie · $151.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.