Commercial Bank
Ithaca, MI
IDRSSD: 513340
Total Assets
$553.68M
Latest filing
Total Deposits
$478.00M
Latest filing
Net Interest Margin
4.26%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072403554ITHACA, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Bank
101 N Pine River St
Ithaca, MI 48847
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/29/1962FDIC Certificate 12471
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Commercial Bank (Main) | 101 N Pine River St | Ithaca, MI |
| CEDAR STREET BRANCH | 661 N Cedar St | Mason, MI |
| MIDDLETON BRANCH | 101 N Newton St | Middleton, MI |
| WRIGHT AVENUE BRANCH | 1690 Wright Ave | Alma, MI |
| ST. LOUIS BRANCH | 104 N Mill St | Saint Louis, MI |
| HASTINGS BRANCH | 629 W State St | Hastings, MI |
| GREENVILLE WEST BRANCH | 10530 W Carson City Rd | Greenville, MI |
| OKEMOS BRANCH | 2112 Jolly Rd | Okemos, MI |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/29/1962 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48847 |
| State and County Number | 26057 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Alma, MI |
Operational Info
| Number of Employees | 97 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/27/2024 |
| Date of Deposit Insurance | 08/29/1962 |
| Primary Insurance Agency | DIF |
| Website | www.commercial-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 18584 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $553.68M |
| Total Deposits | $478.00M |
| Total Liabilities | $496.25M |
| Total Equity Capital | $57.43M |
| Net Income | $1.90M |
| Net Loans and Leases | $367.94M |
| Assets Per Employee ($Millions) | $5.65M |
| Bank Premises and Fixed Assets | $10.21M |
| Cash and Balances due from Depository Institutions | $57.37M |
| Deposits Held in Domestic Offices | $478.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 13.29% |
| Net Interest Margin | 4.26% |
| Efficiency Ratio | 59.66% |
| Tier 1 Risk-Based Capital Ratio | 17.322% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.372% |
| Earning Assets to total Assets | 91.65% |
Income and Expense
| Total Interest Income | $6.50M |
| Total Noninterest Income | $524.00k |
| Total Interest Expense | $1.14M |
| Total Noninterest Expense | $3.53M |
| Net Interest Income | $5.36M |
| Pre-tax Net Operating Income | $2.37M |
| Provision for Credit Losses | $-20,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.25M |
| Total Liabilities and Capital | $553.68M |
Securities
| Securities | $90.62M |
| Available-for-sale debt securities | $90.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Bank?
$553.68M as of the latest filing.
How much are Commercial Bank's total deposits?
$478.00M in total deposits.
Where is Commercial Bank located?
Ithaca, MI.
What is the Net Interest Margin?
4.26%.
How many domestic offices does it operate?
11.
When was it established?
08/29/1962.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$367.94M (latest filing).
What is the total interest income (latest filing)?
$6.50M.