Commercial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 83.53 percentage points lower than in Q1 2026, at 190.61%. Commercial Bank ranks 36th of 72 Michigan banks on return on assets, in the upper half at 1.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Commercial Bank reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.40% |
| Tier 1 risk-based capital ratio | 17.40% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 10.30% |
| Tangible equity to tangible assets | 9.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.06% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 190.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 12.45% |
| Net interest margin | 4.08% |
| Efficiency ratio | 62.87% |
| Yield on earning assets | 4.97% |
| Cost of funds | 0.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.24% |
| Core deposits to total deposits | 90.14% |
| Brokered deposits to total deposits | 5.05% |
| Deposits to assets | 85.98% |
| Securities to assets | 20.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.64% | 14.64% | 15.58% | 9.49% | 1.28% |
| Q4 2023 | 14.66% | 14.66% | 15.58% | 9.63% | 1.12% |
| Q1 2024 | 14.87% | 14.87% | 15.81% | 9.70% | 0.93% |
| Q2 2024 | 15.08% | 15.08% | 16.00% | 9.98% | 1.10% |
| Q3 2024 | 15.41% | 15.41% | 16.35% | 10.17% | 1.09% |
| Q4 2024 | 16.05% | 16.05% | 16.99% | 10.32% | 1.42% |
| Q1 2025 | 16.22% | 16.22% | 17.18% | 10.45% | 1.11% |
| Q2 2025 | 16.50% | 16.50% | 17.46% | 10.63% | 1.23% |
| Q3 2025 | 16.79% | 16.79% | 17.75% | 10.86% | 1.38% |
| Q4 2025 | 17.32% | 17.32% | 18.30% | 10.88% | 1.36% |
| Q1 2026 | 17.62% | 17.62% | 18.60% | 10.80% | 1.27% |
| Q2 2026 | 17.40% | 17.40% | 18.36% | 10.89% | 1.26% |
Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18584) · FFIEC NIC profile (RSSD 513340)