County National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 2.70% from 1.59% in the prior period. County National Bank is a community bank chartered in 1934, based in Hillsdale, MI, in the years following the FDIC's creation. Total assets stand at $1.4B. Earnings are mid-range, 1.03% ROA and a 4.04% net interest margin. Regulatory capital is solid, 11.01% CET1 and 12.16% total risk-based capital ratio. Credit conditions bear watching: 2.70% NPL ratio with a 23.08% Texas Ratio (elevated but below the 100% concern level). County National operates a 15-branch network.
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 2.70%, a Texas ratio of 23.08%, per financial data filed with the FFIEC.
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
- Offices
- 15 domestic
- Employees (FTE)
- 241
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $12.7M
- Net charge-offs (YTD)
- $471K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full County National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock County National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for County National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 1.03% | 2.70% | 23.08% | 4.04% |
| Q1 2026 | 11.18% | 0.96% | 1.59% | 13.40% | 3.92% |
| Q4 2025 | 11.07% | 1.02% | 1.58% | 13.70% | 4.06% |
| Q3 2025 | 10.91% | 1.02% | 1.87% | 16.38% | 3.96% |
| Q2 2025 | 10.58% | 1.00% | 0.83% | 7.54% | 3.85% |
| Q1 2025 | 10.51% | 0.88% | 0.84% | 7.53% | 3.67% |
| Q4 2024 | 10.38% | 0.84% | 0.84% | 7.74% | 3.84% |
| Q3 2024 | 10.26% | 1.14% | 0.69% | 7.88% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| 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
What the public regulatory sources show for County National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MI, rank 24 of 98 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows County National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare County National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is County National Bank headquartered?
County National Bank is headquartered in Hillsdale, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was County National Bank founded?
County National Bank was established in 1934, per the FDIC institution directory.
Is County National Bank FDIC-insured?
Yes. County National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is County National Bank's CET1 capital ratio?
County National Bank 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?
County National Bank 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?
County National Bank's Texas Ratio is 23.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on County National Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock County National Bank, freeFree account