MI lenders / Community Bank
Upper Peninsula State Bank
Community Bank · Escanaba, MI · S B E Corp
- Total assets
- $371.0M
- CRE loan book
- $168.9M
- QoQ CRE growth
- -1.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.54% as of Q1 2026 — TX bank median 4.87% (1.67pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.54% | 6.64% |
| Q4 2025 | 6.69% | 6.86% |
| Q3 2025 | 6.74% | 6.88% |
| Q2 2025 | 6.59% | 6.76% |
| Q1 2025 | 6.27% | 6.41% |
| Q4 2024 | 6.39% | 6.53% |
| Q3 2024 | 6.25% | 6.44% |
| Q2 2024 | 6.02% | 6.17% |
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 | $168.9M | $15.5M | $17.6M | 194% | $3.3M |
| Q4 2025 | $171.8M | $19.5M | $17.1M | 211% | $4.1M |
| Q3 2025 | $167.3M | $19.5M | $16.4M | 205% | $0 |
| Q2 2025 | $161.7M | $19.6M | $15.4M | 209% | $0 |
| Q1 2025 | $154.8M | $19.5M | $8.4M | 200% | $5,000 |
| Q4 2024 | $153.7M | $25.7M | $6.1M | 208% | $112,000 |
| Q3 2024 | $149.4M | $24.2M | $6.2M | 202% | $121,000 |
| Q2 2024 | $163.6M | $7.9M | $2.7M | 176% | $41,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.