$364M
−6.7%y/y
Percentile by value54th percentileby value
FDIC
LNLSGRCB
Commercial Bank
Ithaca, MichiganFDIC Cert #18584
STATEEstablished 196211 branches
Holding company: COMMERCIAL NATL FINL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $53.6M |
| Investor CRE | $73.2M |
| Multifamily | $17.5M |
| Construction | $5.29M |
| 1–4 family | $151M |
| C&I | $33.9M |
| Agriculture | $19.3M |
| Other | $10.9M |
Loan book
Reported balances and balance-sheet intensity.
$361M
−6.7%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET−6.74%
−17.0%y/y
Percentile by value4th percentileby value
FDIC
LNLSNET73.1%
−4.1%y/y
Percentile by value33rd percentileby value
FDIC
LNLSNET + DEP64.0%
−5.8%y/y
Percentile by value35th percentileby value
FDIC
LNLSNET + ASSET90.25%
+0.7%y/y
Percentile by value66th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
150%
−8.7%y/y
Percentile by value43rd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC8%
+70.5%y/y
Percentile by value13th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,473points
+0.1%y/y
Peer standing35th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.72%
−2.0%y/y
Percentile by value62nd percentileby value
FDIC
LNRENROW + LNLSGR20.10%
−1.3%y/y
Percentile by value71st percentileby value
FDIC
LNRENROT + LNLSGR9.29%
−2.5%y/y
Percentile by value50th percentileby value
FDIC
LNCI + LNLSGR