Commercial Bank

Headquarters: Ithaca, Michigan
Charter: Bank
Assets: $552.7M
Fed district: Chicago
Regulator: FDIC
Holding company: Commercial Natl Financial Corp.

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 12, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: Commercial Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Commercial Bank: $32
Commercial Bank: $32
U.S. median: no median
Non-Network ATM
Commercial Bank: $1
Commercial Bank: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Commercial Bank: $30
Commercial Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 12% from Q3 2025 to Q2 2026, to $82K.

Service-charge income, Q2 2026

$82K

$73KQ3 2025

$77KQ4 2025

$83KQ1 2026

$82KQ2 2026

Against the median

Commercial BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$545M to $567M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Commercial Bank does not publish a monthly maintenance fee in the index.

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.

Commercial BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Commercial Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $82K
vs prior quarter: −$1K−1.2%; from Q1 2026
vs a year earlier: +$12K+17.1%; from Q2 2025
vs start of range: +$9K+12.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Commercial Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Commercial Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Within 90 Days of Account Opening$20
Dormant Account Fee$7
Escheat of Dormant Account$15
Account Research or Balancing Assistance (Per 1/4 Hour)$5

Overdraft & NSF

Overdraft fee$32
per item

ATM & Card

ATM Withdrawal at an ATM we do not operate$1
Replacement Card Fees- Visa Debit Card Replacement$20

Wire Transfers

Wire Transfers - Domestic Outgoing Transfer$30
Wire Transfers - Incoming Wire$15
Wire Transfers - International Outgoing Transfer$95

Check Services

Cashier's Check (Per Check) Under $1000.00$3
per item
Stop Payment$32
Collection Fee per item Incoming/Outgoing Fees$7.50
per item

Cash & Deposit

Deposited Items Returned$12
Night Depository Access Keys (2) Assessed Annually$10
Not compared: Annual charge, not per item
per year
Night Depository Additional Key (Per Key)$4
per item

Account Services

Safe Deposit Box - Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box - Replacement Key Fee$10
Not compared: Box drilling or key fee
Garnishment Fee$75
per item
Tax Levy$75

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Within 90 Days of Account Opening	$20	Not stated	None
Dormant Account Fee	$7	Not stated	None
Escheat of Dormant Account	$15	Not stated	None
Account Research or Balancing Assistance (Per 1/4 Hour)	$5	Not stated	None
Overdraft & NSF
Overdraft fee	$32	per item	None
ATM & Card
ATM Withdrawal at an ATM we do not operate	$1	Not stated	None
Replacement Card Fees- Visa Debit Card Replacement	$20	Not stated	None
Wire Transfers
Wire Transfers - Domestic Outgoing Transfer	$30	Not stated	None
Wire Transfers - Incoming Wire	$15	Not stated	None
Wire Transfers - International Outgoing Transfer	$95	Not stated	None
Check Services
Cashier's Check (Per Check) Under $1000.00	$3	per item	None
Stop Payment	$32	Not stated	None
Collection Fee per item Incoming/Outgoing Fees	$7.50	per item	None
Cash & Deposit
Deposited Items Returned	$12	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)	$4	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	$75	per item	None
Tax Levy	$75	Not stated	None

Account Maintenance

Early Account Closure Within 90 Days of Account Opening$20
Dormant Account Fee$7
Escheat of Dormant Account$15
Account Research or Balancing Assistance (Per 1/4 Hour)$5

Overdraft & NSF

Overdraft fee$32
per item

ATM & Card

ATM Withdrawal at an ATM we do not operate$1
Replacement Card Fees- Visa Debit Card Replacement$20

Wire Transfers

Wire Transfers - Domestic Outgoing Transfer$30
Wire Transfers - Incoming Wire$15
Wire Transfers - International Outgoing Transfer$95

Check Services

Cashier's Check (Per Check) Under $1000.00$3
per item
Stop Payment$32
Collection Fee per item Incoming/Outgoing Fees$7.50
per item

Digital & Electronic

ACH Origination Services (Business Customers Only) Assessed Monthly$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Deposited Items Returned$12
Night Depository Access Keys (2) Assessed Annually$10
Not compared: Annual charge, not per item
per year
Night Depository Additional Key (Per Key)$4
per item

Account Services

Safe Deposit Box - Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box - Replacement Key Fee$10
Not compared: Box drilling or key fee
Garnishment Fee$75
per item
Tax Levy$75

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Within 90 Days of Account Opening	$20	Not stated	None
Dormant Account Fee	$7	Not stated	None
Escheat of Dormant Account	$15	Not stated	None
Account Research or Balancing Assistance (Per 1/4 Hour)	$5	Not stated	None
Overdraft & NSF
Overdraft fee	$32	per item	None
ATM & Card
ATM Withdrawal at an ATM we do not operate	$1	Not stated	None
Replacement Card Fees- Visa Debit Card Replacement	$20	Not stated	None
Wire Transfers
Wire Transfers - Domestic Outgoing Transfer	$30	Not stated	None
Wire Transfers - Incoming Wire	$15	Not stated	None
Wire Transfers - International Outgoing Transfer	$95	Not stated	None
Check Services
Cashier's Check (Per Check) Under $1000.00	$3	per item	None
Stop Payment	$32	Not stated	None
Collection Fee per item Incoming/Outgoing Fees	$7.50	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	$12	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)	$4	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	$75	per item	None
Tax Levy	$75	Not stated	None

Correct a fee source

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.

Branches and public record

Where Commercial Bank operates, and what regulators and customers have on file.

Market position

In Lansing-East Lansing, MI, Commercial Bank holds 0.8% of bank deposits, #14 of 18, with 3 offices.

Compare fees with the 60 Grand Rapids-Wyoming-Kentwood, MI banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Grand Rapids-Wyoming-Kentwood, MI.

Offices in the metro

127 offices of 33 institutions shown.

Commercial BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Lansing-East Lansing, MI metro (FDIC metro code 29620), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 5 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First National Bank of America27.2%
2PNC Bank, National Association13.2%
3Fifth Third Bank, National Association12.8%
4The Dart Bank10.3%
5JPMorgan Chase Bank, National Association6.9%
6The Huntington National Bank6.2%
7Bank of America, National Association5.0%
8Independent Bank4.8%
14Commercial Bank0.8%

9 of 18 institutions shown. $12.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Lansing-East Lansing, MI metro (FDIC metro code 29620)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2017 to 2026
Area: Lansing-East Lansing, MI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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 4, 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

Get an email when Commercial Bank's cashier's check changes in our data

We check once a day and send one email covering every change.