Commercial Bank

301 North State Street
Alma, MI 48801


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18584
Date Established 1962
Assets $0.53 billion
Loans $0.38 billion
Deposits $0.42 billion
Capital $0.05 billion

Commercial Bank is an FDIC insured institution located in Alma, MI. It was founded in 1962 and has approximately $0.53 billion in assets. Customers can open an account at one of its 13 branches.

For a more detailed analysis of Commercial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
3 Mo CD
1.50% $500 - Learn MoreShow Less
6 Mo CD
1.50% $500 - Learn MoreShow Less
1.40% $500 $24,999 Learn MoreShow Less
12 Mo CD
1.75% $25,000 - Learn MoreShow Less
Special: 22 Mo CD
2.00% $25,000 - Learn MoreShow Less
1.50% $500 $24,999 Learn MoreShow Less
24 Mo CD
1.80% $25,000 - Learn MoreShow Less
1.60% $500 $24,999 Learn MoreShow Less
36 Mo CD
1.95% $25,000 - Learn MoreShow Less
1.70% $500 $24,999 Learn MoreShow Less
48 Mo CD
2.05% $25,000 - Learn MoreShow Less
1.90% $500 $24,999 Learn MoreShow Less
60 Mo CD
2.15% $25,000 - Learn MoreShow Less

Fixed IRA
1.40% $500 - Learn MoreShow Less
Special: 22 Mo FIRA
2.00% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $24,999 Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Commercial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Commercial Bank Locations

Financial Details

Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Commercial Bank U.S. Bank Average
5.12% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Commercial Bank had $2,352,000 in non-current loans and $257,000 in owned real estate. To cover these potential losses it had $48,250,000 in equity and $2,672,000 in loans loss reserves. That gives it a Texas Ratio of 5.12%.

Return on Equity
Commercial Bank U.S. Bank Average
10.42% 9.47%

Commercial Bank has a Return on Equity of 10.42% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Commercial Bank U.S. Bank Average
9.15% 12.49%

Commercial Bank has a Capitalization of 9.15% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Commercial Bank Balance Sheet Analysis

As of March 31, 2019, Commercial Bank had assets of $527,063,000, loans of $375,343,000, and deposits of $424,968,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.08 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.38 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.48 billion
Total deposits $0.42 billion
      Interest-bearing deposits $0.34 billion
      Deposits held in domestic offices $0.42 billion
      % insured (estimated) 84.42%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.04 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.48 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Commercial Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Michigan, Commercial Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.88
Credit Card Loans 0.00
Consumer Auto Loans 0.59
Small Business Loans 0.00
Construction and Development Loans 1.11
Commercial Real Estate 31.98
Commercial and Industrial Loans 7.42
Farm Loans 0.94

Frequently Asked Questions About Commercial Bank

Branches and Savings

Is Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18584.

Why does Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Commercial Bank a commercial bank?


Where are Commercial Bank locations?

See branch locations nearby.

Is Commercial Bank open on Saturdays?

Is Commercial Bank open on Sundays?

What time does Commercial Bank open?

What time does Commercial Bank close?

Are Commercial Bank ATMs Open 24/7?

Do Commercial Bank ATMs accept cash deposits?

Can Commercial Bank customers use other ATMs?

Do Commercial Bank branches have notaries?

Will Commercial Bank notarize my document?

What address for Commercial Bank should I put for incoming ACH transfers?

Will the Commercial Bank branch print checks?

Do Commercial Bank checks expire?

Does Commercial Bank require US citizenship to open account?

Can Commercial Bank close my account?

Does Commercial Bank Report to credit bureaus?

Does Commercial Bank Use Equifax?

What is Commercial Bank's ACH Routing Number?

What is Commercial Bank's SWIFT code?


Does Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Commercial Bank offer student loans?

Will Commercial Bank cash a check?

Will Commercial Bank redeem a savings bond?

Does Commercial Bank cash savings bonds?

Will Commercial Bank cash money orders?

Can Commercial Bank issue a money order?

Does Commercial Bank do currency exchange?

Background on The Bank

Who owns Commercial Bank?

How long has Commercial Bank been around?

Can Commercial Bank transfer to other banks?

Does Commercial Bank have quick pay?

Does Commercial Bank accept rolled coins?

Will Commercial Bank accept loose change?

Where is Commercial Bank headquarters?

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