Commercial Bank (FDIC #18584): Bank Stress & Real-Estate Credit Exposure
Commercial Bank (FDIC Cert #18584): bank stress 64/100, elevated, STABLE over 7 days; parent COMMERCIAL NATL FINL CORP.
Commercial Bank (#18584) lends in 5 counties across 1 state; Commercial Bank (#18584) reaches 105 ZIP codes: Michigan 5 counties, 105 ZIPs.
Commercial Bank (#18584) largest markets: Montcalm County, MI (25 branches, 25 ZIPs) (#18584), Ottawa County, MI (25 branches, 25 ZIPs) (#18584), Ingham County, MI (69 branches, 23 ZIPs) (#18584), Gratiot County, MI (84 branches, 21 ZIPs) (#18584), Barry County, MI (15 branches, 15 ZIPs) (#18584).
Commercial Bank (#18584) reports $552.7 million in total assets; Commercial Bank (#18584) equity $56.9 million (10.3% of Commercial Bank (#18584) assets); Commercial Bank (#18584) domestic deposits $475.2 million; Commercial Bank (#18584) net income $3.6 million; Commercial Bank (#18584) return on assets 1.28%; Commercial Bank (#18584) return on equity 12.51%; Commercial Bank (#18584) net interest income $10.5 million; Commercial Bank (#18584) call report June 30, 2026.
Commercial Bank (#18584) noncurrent real-estate loans: none reported; Commercial Bank (#18584) net charge-offs on real estate 0.34%; Commercial Bank (#18584) residential charge-offs 0.30%.
Commercial Bank (#18584) net interest margin 4.12% against an eight-quarter Commercial Bank (#18584) average of 3.91% (Commercial Bank (#18584) compression -0.21 points); Commercial Bank (#18584) non-residential real estate 30.3% of equity; Commercial Bank (#18584) rate-exposure score 40/100, Commercial Bank (#18584) fixed-rate trap 40/100; Commercial Bank (#18584) risk type credit driven; Commercial Bank (#18584) rate regime rates elevated, Commercial Bank (#18584) snapshot October 20, 2026.
Commercial Bank (#18584) stress score moved from 63.3 on June 22, 2026 to 63.9 on October 20, 2026; Commercial Bank (#18584) ranged 63.3 to 63.9 over 117 snapshots.
Commercial Bank (#18584) alerts: 5 counties; top Commercial Bank (#18584) alert scores: Grand Rapids County, MI 23 (low); Greenville County, MI 23 (low); Hastings County, MI 23 (low); Okemos County, MI 23 (low); Saint Louis County, MI 23 (low).