Commercial Bank is a state-chartered bank headquartered in Ithaca, Michigan, in business for about 64 years. At the end of Q2 2026 it reported $552.7M in total assets and $475.2M in deposits, with 11 offices.
Based on its Q2 2026 filing, Commercial Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 19th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (59/100; 10.89%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 10.17% |
| Q4 2024 | 10.32% |
| Q1 2025 | 10.45% |
| Q2 2025 | 10.63% |
| Q3 2025 | 10.86% |
| Q4 2025 | 10.88% |
| Q1 2026 | 10.80% |
| Q2 2026 | 10.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $552.7M | 10.89% | 0.39% | 1.28% | 76.5% |
| Q1 2026 | 76 | $564.4M | 10.80% | 0.22% | 1.29% | 73.1% |
| Q4 2025 | 76 | $553.7M | 10.88% | 0.25% | 1.28% | 77.0% |
| Q3 2025 | 74 | $547.2M | 10.86% | 0.38% | 1.25% | 76.9% |
| Q2 2025 | 72 | $551.6M | 10.63% | 0.39% | 1.19% | 77.7% |
| Q1 2025 | 71 | $570.1M | 10.45% | 0.46% | 1.12% | 76.2% |
| Q4 2024 | 72 | $566.1M | 10.32% | 0.33% | 1.15% | 77.7% |
| Q3 2024 | 71 | $573.8M | 10.17% | 0.24% | 1.06% | 79.0% |
| Q2 2024 | 70 | $572.3M | 9.98% | 0.31% | 1.04% | 80.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eastern Michigan BankBank Croswell, MI | 79 out of 100, Strong | $553.6M | 12.0% | 0.63% | vs |
| Eaton Community BankBank Charlotte, MI | 71 out of 100, Strong | $543.5M | 12.9% | 1.23% | vs |
| Citizens State BankBank Royal Oak, MI | 70 out of 100, Strong | $581.0M | 8.6% | 0.18% | vs |
| Central Savings BankBank Sault Sainte Marie, MI | 74 out of 100, Strong | $516.8M | 9.5% | 0.16% | vs |
| Highpoint Community BankBank Hastings, MI | 66 out of 100, Moderate | $592.4M | 8.5% | 0.04% | vs |
| Grand River BankBank Grandville, MI | 65 out of 100, Moderate | $507.3M | 10.2% | 0.17% | vs |
Deposit insurance
Is my money safe at Commercial Bank?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #18584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.0% of deposits ($104.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.36% (benchmark: 10%).
11 locations
Branches
Commercial Bank lists 10 offices in 9 cities. Most locations:
- Mason, MI (2)
- Alma, MI (1)
- Grand Rapids, MI (1)
- Greenville, MI (1)
- Hastings, MI (1)
- Ithaca, MI (1)
- Middleton, MI (1)
- Okemos, MI (1)
- Saint Louis, MI (1)
HMDA 2025
Mortgage lending
In 2025, Commercial Bank reported 50 home-loan applications under HMDA (LEI 549300FTVK4FVXS1IW37): 21 originated ($5,575,000 total), 16 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 43.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Commercial Bank
- Former names
- Commercial National Bank; Central National Bank of Alma
- Type
- State-chartered bank
- FDIC certificate #
- 18584
- RSSD ID
- 513340
- Primary regulator
- FDIC
- Holding company
- Commercial Natl Finl Corp
- Established
- August 29, 1962
- Headquarters
- 101 N Pine River St, Ithaca, MI 48847
- Website
- www.commercial-bank.com
- Employees
- 99
Quick answers
Commercial Bank: common questions
Is Commercial Bank FDIC insured?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #18584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank ever failed?
There is no failure record for FDIC certificate #18584 in the FDIC failed bank list.
How many branches does Commercial Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ithaca
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Health Advantage Federal Credit UnionCredit union Saginaw, MI | 82 out of 100, Strong | $179.3M | 13.4% | 0.33% | vs |
| Mercantile BankBank Grand Rapids, MI | 73 out of 100, Strong | $6.2B | 11.6% | 0.10% | vs |
| Dow Credit UnionCredit union Midland, MI | 73 out of 100, Strong | $2.6B | 10.1% | 0.29% | vs |
| Graco Federal Credit UnionCredit union Alma, MI | 72 out of 100, Strong | $38.2M | 9.7% | 0.58% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |
| Gratiot Community Credit UnionCredit union Alma, MI | 71 out of 100, Strong | $59.7M | 9.1% | 0.32% | vs |