Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural and commercial businesses, and light industries in Michigan. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It offers personal loan products, such as automobile, recreational vehicle, all-terrain, boat and snow mobile loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business lines of credit, SBA loans, equipment lines of credit, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides treasury management services comprising merchant, automated clearing houses and remote deposit services; debit, credit, and ATM cards; and online services consisting of online bill pay, and mobile, online, and telephone banking. It provides its services through offices located in Barry, Gratiot, Ingham, Montcalm, and Ottawa counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.