COMMERCIAL NATL FINL CORP is the bank holding company. COMMERCIAL BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

COMMERCIAL NATL FINL CORP

Legal name: COMMERCIAL NATIONAL FINANCIAL CORPORATION

1 active bank · $564M combined assets

RSSD ID: 1249299 (FFIEC NIC)

Combined Assets

$564M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCOMMERCIAL BANKITHACA, MISatisfactory$564MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$564M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$494M

Net Income

$2M

ROA (avg)

1.29%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

976

Origination Rate

81.45%

Denial Rate

9.73%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
COMMERCIAL BANK	ITHACA, MI	FDIC	$564M	100.0%	Satisfactory	Feb 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.