Commercial Bank

BankIthaca, Michigan
www.commercial-bank.com

Total Assets

$553.7M

Total Deposits

$478.0M

Branches

11

Established

1962

TFS Health Grade

$
C+

77.5 / 100

Average financial health

How we grade

Commercial Bank is a bank headquartered in Ithaca, Michigan, established in 1962. With $553.7M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C+ (77.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.88%(8%)
Total Capital Ratio
18.30%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
1.28%(1%)
Return on Equity (ROE)
12.76%(10%)
Net Interest Margin
4.05%
Efficiency Ratio
61.32%(60%)

Lending & Liquidity

Total Loans
$371.3M
Loan-to-Deposit Ratio
76.97%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
-2.20%
Deposit Growth (YoY)
-5.29%
Net Income
$7.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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