COUNTY NATIONAL BANK

HILLSDALE, MI | Large | Est. March 19, 1934, midnight | FDIC #14073 | RSSD #682143 | OCC
Latest Report: 2025-12-31

COUNTY NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in HILLSDALE, MI, established in March 19, 1934, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.02% ROA and 11.25% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 11.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.46% and a Texas Ratio of 12.13%. FDIC Certificate #14073.

Assets

$1.3B

Deposits

$1.1B

Loans

$1.1B

Equity

$122M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 11.25%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.06%
Cost of Funds 3.98%

Asset Quality

NPL Ratio 1.46%
Net Charge-Off Ratio 0.33%
Texas Ratio 12.13%
NPA Ratio 1.23%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 11.07%
Tier 1 Capital 11.07%
Total Capital Ratio 12.21%
Leverage Ratio 9.19%
Loan-to-Deposit 97.92%

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