Compared with Michigan
9 of 15
compared fees are above the median.
5 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
31st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 15 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Commercial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Commercial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (31st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $82K in Q2 2026, 17% above the same quarter a year earlier ($70K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 15 compared published fees sit above the Michigan median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 12% from Q3 2025 to Q2 2026, to $82K. Its share of revenue, 1.4%, is below the 2.1% median for banks with $300M to $1B in assets.
$82K
Commercial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Commercial Bank · $553M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Commercial Bank(this institution) | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Flint Hills | Wamego, KS | $545M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Belgrade State Bank | Belgrade, MO | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central State Bank | State Center, IA | $558M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank of Kansas | Kingman, KS | $548M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastern Michigan Bank | Croswell, MI | $554M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank | West Memphis, AR | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Milford Federal Bank | Milford, MA | $545M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mound City Bank | Platteville, WI | $551M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Valley Bank | Walden, CO | $557M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank | Dodge, NE | $552M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwestern Mutual Wealth Management | Milwaukee, WI | $558M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Community Bank | Ravenna, OH | $552M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Silver Lake Bank | Topeka, KS | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Cooperative Bank | Roslindale, MA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The National Bank of Middlebury | Middlebury, VT | $554M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Point Bank | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.24 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Commercial Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Commercial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $82K | −$1K | −1.2% |
| Q1 2026 | $83K | +$6K | +7.8% |
| Q4 2025 | $77K | +$4K | +5.5% |
| Q3 2025 | $73K | +$3K | +4.3% |
| Q2 2025 | $70K | +$1K | +1.4% |
| Q1 2025 | $69K | +$2K | +3.0% |
| Q4 2024 | $67K | −$6K | −8.2% |
| Q3 2024 | $73K | +$6K | +9.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Commercial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Commercial Bank by share.
Amounts from Commercial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Within 90 Days of Account Opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat of Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research or Balancing Assistance (Per 1/4 Hour) | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal at an ATM we do not operate | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card Fees- Visa Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Domestic Outgoing Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - International Outgoing Transfer | $95Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (Per Check) Under $1000.00 | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Fee per item Incoming/Outgoing Fees | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Items Returned | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Night Depository Access Keys (2) Assessed Annually | $10Not compared: Annual charge, not per item | per year | None |
| Night Depository Additional Key (Per Key) | $4Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box - Drilling Fee | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Replacement Key Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Within 90 Days of Account Opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat of Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research or Balancing Assistance (Per 1/4 Hour) | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal at an ATM we do not operate | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card Fees- Visa Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Domestic Outgoing Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - International Outgoing Transfer | $95Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (Per Check) Under $1000.00 | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Fee per item Incoming/Outgoing Fees | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Services (Business Customers Only) Assessed Monthly | $25Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Deposited Items Returned | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Night Depository Access Keys (2) Assessed Annually | $10Not compared: Annual charge, not per item | per year | None |
| Night Depository Additional Key (Per Key) | $4Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box - Drilling Fee | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Replacement Key Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Commercial Bank operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state, $475.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $295.6M |
| 3 | $101.1M | |
| 3 | $78.4M |
Lansing-East Lansing, MI
0.8% of bank deposits, #14 of 18, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First National Bank of America | 27.2% |
| PNC Bank, National Association | 13.2% |
| Fifth Third Bank, National Association | 12.8% |
| The Dart Bank | 10.3% |
| JPMorgan Chase Bank, National Association | 6.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lansing-East Lansing, MI, Commercial Bank holds 0.8% of bank deposits, #14 of 18, with 3 offices.
The fee comparison uses its home metro, Grand Rapids-Wyoming-Kentwood, MI.
127 offices of 33 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 18 institutions shown. $12.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2017 to 2026
June 2026: 0.8% share, 3 offices, #14 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2026.
Credit unions, reported separately
56 offices of 15 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.