County National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks County National Bank of Hillsdale, MI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.46% | -0.43% | 31st below |
| ROAE | 11.13% | 12.72% | -1.59% | 42nd below |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 67.93% | 57.40% | +10.53% | 25th below |
| PPNR / Avg Assets | 1.47% | 1.88% | -0.41% | 35th below |
| Yield on Earning Assets | 5.74% | 5.72% | +0.02% | 62nd above |
| Cost of Funds | 1.85% | 2.02% | -0.17% | 59th above |
| Net Interest Spread | 3.55% | 3.18% | +0.37% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.70% | 1.00% | +1.70% | 7th bottom |
| NPA / Total Assets | 2.27% | 0.76% | +1.51% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.18% | 0.43% | -0.25% | 20th bottom |
| ACL / Total Loans | 1.11% | 1.31% | -0.20% | 43rd below |
| ACL / NPLs (Coverage) | 41.19% | 543.62% | -502.43% | 5th bottom |
| Texas Ratio | 23.08% | 7.38% | +15.70% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 222.93% | 618.85% | -395.92% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.01% | 17.34% | -6.33% | 10th bottom |
| Tier 1 Ratio | 11.01% | 17.37% | -6.36% | 10th bottom |
| Total Capital Ratio | 12.16% | 18.42% | -6.26% | 12th bottom |
| Leverage Ratio | 9.34% | 11.44% | -2.10% | 19th bottom |
| Equity / Assets | 9.22% | 11.34% | -2.12% | 26th below |
| TCE / Tangible Assets | 9.05% | 10.50% | -1.45% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.06% | 86.94% | +16.12% | 11th bottom |
| Core Deposit Ratio | 89.04% | 85.55% | +3.49% | 53rd above |
| Uninsured Deposit Ratio | 24.97% | 33.13% | -8.16% | 71st above |
| Wholesale Funding Ratio | 8.90% | 5.70% | +3.20% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.98% | 9.68% | -2.70% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.42% | 8.06% | -1.64% | 55th above |
| Deposit Growth (Y/Y) | 0.15% | 7.87% | -7.72% | 20th bottom |
See County National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock County National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full County National Bank profile, how to read a UBPR, or how this data updates.