🏦Bank Scorer

COMMERCIAL BANK

ITHACA, MI · Supervised by FDIC

Est. 1962FDIC #18,584RSSD: FDIC-18584
Part ofCOMMERCIAL NATL FINL CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

101 N Pine River St, ITHACA, MI

County

Gratiot County

Established

August 29, 1962

Total Assets

$564M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$564M

Total Deposits

$494M

Net Loans

$361M

Net Income

$2M

ROA

1.29%

ROE

12.62%

Risk-Based Capital

18.60%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.73%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$490M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202497681.45%9.73%
20231,01977.72%11.38%
20221,41479.49%9.62%
20211,57877.88%11.72%
20201,81475.25%11.30%
20191,41776.22%13.20%
20181,39076.91%12.16%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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