BanksCOMMERCIAL BANK

COMMERCIAL BANK

ITHACA, MIMediumEst. Aug. 29, 1962, midnightFDIC #18584RSSD #513340FDIC
Latest · 2025-12-31

COMMERCIAL BANK is an FDIC-insured commercial bank headquartered in ITHACA, MI, established in Aug. 29, 1962, midnight. As of 2025-12-31, the bank reported total assets of $554M and total deposits of $478M. Profitability stands at 1.38% ROA and 13.29% ROE, with a net interest margin of 4.23%. CET1 capital ratio: 17.32%, well above regulatory minimums. NPL ratio: 0.25% · Texas Ratio: 1.53%. Operates 10 domestic branches.

Assets
$554M
Deposits
$478M
Loans
$371M
Equity
$57M

Profitability

Return on Assets (ROA)1.38%
Return on Equity (ROE)13.29%
Net Interest Margin4.23%
Yield on Assets5.13%
Cost of Funds0.93%

Asset Quality

NPL Ratio0.25%
Net Charge-Off Ratio0.01%
Texas Ratio1.53%
NPA Ratio0.17%
ACL / Loans0.91%

Capital & Liquidity

CET1 Ratio17.32%
Tier 1 Capital17.32%
Total Capital Ratio18.30%
Leverage Ratio10.88%
Loan-to-Deposit77.68%

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