Side-by-side · Q2 2026 data
Commercial Bank vs Mercantile Bank
Metric by metric
| Measure | Commercial Bank | Mercantile Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 59 | 66 (stronger) |
| Loan quality | 87 | 97 (stronger) |
| Earnings | 71 | 84 (stronger) |
| Funding & liquidity | 76 (stronger) | 18 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 61st | 70th |
| Total assets | $552.7M | $6.2B |
| Deposits / shares | $475.2M | $4.9B |
| Capital ratio | 10.89% | 11.61% (stronger) |
| Problem loans | 0.39% | 0.10% (stronger) |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 1.28% | 1.61% (stronger) |
| Loans ÷ deposits | 76.5% (stronger) | 95.4% |
| Uninsured deposits | 22.0% (stronger) | 57.5% |
| Offices | 10 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 15.2% |
Commercial Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 3 and Mercantile Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grand Rapids, MI
- Alma, MI
- Ithaca, MI