Commercial Bank: how it compares with its peers
Against 34 MI banks with half to twice its assets, Commercial Bank's strongest measure in Q2 2026 is efficiency ratio (62.79% vs. a 65.79% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.1M).
| Measure | Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.23% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.14% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.79% | 65.79% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.1M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.54% | 76.45% | Context |
What it means for lending operations
Its efficiency ratio of 62.79% is better than the 65.79% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Eastern Michigan Bank Croswell, MI · $554M
- Eaton Community Bank Charlotte, MI · $543M
- Citizens State Bank Royal Oak, MI · $581M
- Central Savings Bank Sault Sainte Marie, MI · $517M
- Highpoint Community Bank Hastings, MI · $592M
- Grand River Bank Grandville, MI · $507M
Questions about Commercial Bank
How big is Commercial Bank?
Commercial Bank, established in 1962, is headquartered in Ithaca, MI. It reported $553M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Commercial Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.23% median for 34 MI banks with half to twice its assets, ahead of 50% of them.
What is Commercial Bank's efficiency ratio?
62.79% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 65.79%, and lower is better.
Is Commercial Bank growing its loans?
Net loans shrank 4.4% over the year to Q2 2026, while deposits shrank 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.