BDI
CB

Commercial Bank

Ithaca, MichiganFDIC Cert #18584

STATEEstablished 196211 branches

Holding company: COMMERCIAL NATL FINL CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.79%
+4.6%y/y
Peer standing34th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.22%
−53.0%y/y
Peer standing59th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.22%
−53.0%y/y
Peer standing65th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.14%
−55.7%y/y
Peer standing68th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$793K
−56.1%y/y
Peer standing65th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
Peer standing44th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$7K
Peer standing44th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.92%
+2.8%y/y
Percentile by value17th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$2.86M
−2.4%y/y
Peer standing32nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$793K
−56.1%y/y
Peer standing57th percentile
Peer standing in asset:300m_1b
FDICNAASSET