County National Bank
Also written as CNB
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Data as of · sourced from FFIEC call reports. How we update
County National Bank is an FDIC-insured commercial bank headquartered in Hillsdale, MI, supervised by the OCC, with $1.36B in total assets at Q2 2026, up 7.0% from Q2 2025, the 11th largest of 72 banks headquartered in Michigan. It was established in 1934 and holds FDIC certificate 14073. Its CET1 capital ratio was 11.01% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14073
- Headquarters
- Hillsdale, MI
- Established
- 1934
- Total assets, Q2 2026
- $1.36B
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 11.01%
- Domestic offices
- 15 · County National Bank branches FDIC institution directory, current count
- Routing number
- 072402694
- Safety and soundness
- Is County National Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · County National Bank call report
- Holding company
- CNB COMMUNITY BANCORP, INC.
- Asset rank in state
- 11th of 72 in Michigan
Problem loans are rising at County National Bank. The Hillsdale, Michigan bank had $1.4 billion in assets at June 30, 2026, up 7.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.62% of loans from 0.66% a year earlier. It carries problem assets equal to 22.2% of the capital and reserves that would absorb them, 6.2 times the median of 3.6% for the 880 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 11.01% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.50%).
Loans are outrunning deposits: over the year loans rose 6.4% and deposits rose 0.2%. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, County National Bank reported a CET1 capital ratio of 11.01%, a return on assets of 1.03%, a nonperforming-loan ratio of 2.62% and a Texas ratio of 22.17%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, County National Bank is the 11th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $1.36B, loans rose 3.4% and deposits fell 2.2%. 1-4 family residential loans made up 30.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.4%. The FDIC Summary of Deposits lists 14 offices for it, in 11 cities in MI; its Jackson 3 offices book 24% of its branch deposits. On its Q2 2026 call report, County National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Howell St, Hillsdale, MI 49242
- County
- Hillsdale
- Metro Area
- Hillsdale, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 19, 1934
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 241
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $12.7M
- Net charge-offs (YTD)
- $471K
- Average total assets
- $1.34B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $896.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 19, 1934
- FDIC Cert
- 14073
- Fed RSSD
- 682143
- Website
- WWW.CNBB.BANK →
- Parent Holding Company
- CNB COMMUNITY BANCORP, INC. (RSSD 3340015)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
County National Bank's total assets moved between a low of $1.20B (Q3 2023) and a high of $1.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.36B total assets against $1.28B; $1.24B total liabilities against $1.16B.
$1.13B net loans and leases against $1.06B; $1.11B total deposits against $1.10B.
$164.5M securities against $119.5M; $21.4M cash and balances due against $49.8M.
$18.5M total interest income against $17.4M; $5.5M total interest expense against $5.5M.
$13.0M net interest income against $11.9M.
$2.5M total noninterest income against $2.3M; $10.6M total noninterest expense against $9.9M.
$730K provision for credit losses against $146K.
$3.5M net income against $3.2M.
1.03% return on assets against 1.00%; 4.04% net interest margin against 3.85%.
11.01% CET1 capital ratio against 10.58%; 9.34% tier 1 leverage ratio against 8.65%.
Inside the full County National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
County National Bank rankings
Its closest position to the top of a national ranking is 127 of 3,640, for Texas Ratio; its furthest is 1,951 of 2,134, for CET1 ratio.
Metric pages for County National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q4 2024) to 1.14% (Q3 2024) and its net interest margin ran from 3.67% (Q1 2025) to 4.06% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 1.03% | 2.62% | 22.17% | 4.04% |
| Q1 2026 | 11.18% | 0.96% | 1.50% | 12.60% | 3.92% |
| Q4 2025 | 11.07% | 1.02% | 1.51% | 12.76% | 4.06% |
| Q3 2025 | 10.91% | 1.02% | 1.74% | 14.77% | 3.96% |
| Q2 2025 | 10.58% | 1.00% | 0.66% | 5.82% | 3.85% |
| Q1 2025 | 10.51% | 0.88% | 0.65% | 5.70% | 3.67% |
| Q4 2024 | 10.38% | 0.84% | 0.65% | 5.82% | 3.84% |
| Q3 2024 | 10.26% | 1.14% | 0.67% | 6.09% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| County National Bank (main office) | Hillsdale , MI | 49242 | $259.9M |
| Jackson Branch | Jackson , MI | 49201 | $145.3M |
| Spring Arbor Branch | Spring Arbor , MI | 49283 | $107.7M |
| Grosvenor Branch | Jonesville , MI | 49250 | $89.0M |
| Hudson Branch | Hudson , MI | 49247 | $87.7M |
| Horton Rd. Branch | Jackson , MI | 49203 | $74.7M |
| Adrian Branch | Adrian , MI | 49221 | $65.0M |
| Tecumseh Branch | Tecumseh , MI | 49286 | $57.6M |
| Homer Branch | Homer , MI | 49245 | $46.8M |
| Spring Arbor Road Branch | Jackson , MI | 49203 | $45.1M |
| Somerset Center Branch | Somerset Center , MI | 49282 | $44.5M |
| Litchfield Branch | Litchfield , MI | 49252 | $44.5M |
| Hanover Branch | Hanover , MI | 49241 | $37.8M |
| Carleton Branch | Hillsdale , MI | 49242 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 1962 | Structure Change | Acquired Grosvenor Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MI, rank 24 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 368 applications, 256 loans originated, $85.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $216K approved, $216K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about County National Bank
What are County National Bank's total assets?
As of the Q2 2026 filing, County National Bank reported total assets of $1.36 billion in its FFIEC call report.
Where is County National Bank headquartered?
It is headquartered in Hillsdale, MI, United States.
When was County National Bank founded?
It was established in 1934, per the FDIC institution directory.
Is County National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates County National Bank?
County National Bank's primary federal regulator is the OCC.
What is County National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does County National Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is County National Bank's Texas Ratio?
Its Texas Ratio is 22.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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