TellerScore

Headquartered in Hillsdale, Michigan, County National Bank is a national bank with $1.4B in total assets and $1.1B in deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1934.

County National Bank has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 72nd. Earnings contributes the most (60/100, 1.00%); loan quality contributes the least (13/100, 2.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.34%
Loan quality13/100
Noncurrent loans ÷ total loans: 2.62%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 101.9% · 25.0% uninsured
Problem-loan coverage56/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 21.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 18 points (59 → 41), mostly because the loan quality component weakened by 65 points.

TellerScore
415059Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202457
Q4 202458
Q1 202557
Q2 202559
Q3 202549
Q4 202552
Q1 202653
Q2 202641
Tier 1 leverage ratio
5.00%7.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.32%
Q3 20248.47%
Q4 20248.55%
Q1 20258.40%
Q2 20258.65%
Q3 20258.95%
Q4 20259.19%
Q1 20269.19%
Q2 20269.34%
Noncurrent loans
0.65%1.63%2.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.67%
Q4 20240.65%
Q1 20250.65%
Q2 20250.66%
Q3 20251.74%
Q4 20251.51%
Q1 20261.50%
Q2 20262.62%
Return on assets
0.88%0.94%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.94%
Q3 20241.00%
Q4 20240.96%
Q1 20250.88%
Q2 20250.94%
Q3 20250.97%
Q4 20250.98%
Q1 20260.98%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$1.4B9.34%2.62%1.00%101.9%
Q1 202653$1.3B9.19%1.50%0.98%96.4%
Q4 202552$1.3B9.19%1.51%0.98%96.8%
Q3 202549$1.3B8.95%1.74%0.97%95.4%
Q2 202559$1.3B8.65%0.66%0.94%95.8%
Q1 202557$1.3B8.40%0.65%0.88%92.4%
Q4 202458$1.3B8.55%0.65%0.96%94.1%
Q3 202457$1.3B8.47%0.67%1.00%99.1%
Q2 202456$1.2B8.32%0.68%0.94%96.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.34%
20th
Total risk-based capital12.16%
34th
Problem loans2.62%
6th
Net charge-offs0.08%
34th
Return on assets1.00%
30th
Net interest margin4.03%
70th
Efficiency ratio69.3%
22nd
Loans to deposits101.9%
11th
Uninsured deposits25.0%
70th
Loan-loss reserves1.11%
44th
Texas ratio21.8%
3rd

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Eastpointe, MI63 out of 100, Moderate$1.3B10.0%0.81%vs
The Dart BankBank Mason, MI46 out of 100, Below average$1.5B8.6%1.75%vs
University BankBank Ann Arbor, MI60 out of 100, Moderate$1.2B10.1%0.41%vs
West Michigan Community BankBank Hudsonville, MI53 out of 100, Below average$1.2B9.2%1.40%vs
Northstar BankBank Bad Axe, MI59 out of 100, Moderate$1.2B9.1%0.80%vs
United Bank of MichiganBank Grand Rapids, MI74 out of 100, Strong$1.1B10.6%0.06%vs

Deposit insurance

Is my money safe at County National Bank?

Yes. County National Bank is an FDIC-insured institution (FDIC certificate #14073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.0% of deposits ($276.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.16% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

County National Bank lists 13 offices in 11 cities. Most locations:

  • Jackson, MI (3)
  • Adrian, MI (1)
  • Hanover, MI (1)
  • Hillsdale, MI (1)
  • Homer, MI (1)
  • Hudson, MI (1)
  • Jonesville, MI (1)
  • Litchfield, MI (1)
  • Somerset Center, MI (1)
  • Spring Arbor, MI (1)
  • Tecumseh, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, County National Bank reported 366 home-loan applications under HMDA (LEI 549300W07W12OUENKR02): 256 originated ($85,170,000 total), 35 denied, and 71 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
County National Bank
Former names
Hillsdale County National Bank
Type
National bank
FDIC certificate #
14073
RSSD ID
682143
Primary regulator
OCC
Holding company
Cnb Community Bcorp Inc
Established
March 19, 1934
Headquarters
1 S Howell St, Hillsdale, MI 49242
Employees
241

Quick answers

County National Bank: common questions

Is County National Bank FDIC insured?

Yes. County National Bank is an FDIC-insured institution (FDIC certificate #14073). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is County National Bank's TellerScore?

41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has County National Bank ever failed?

There is no failure record for FDIC certificate #14073 in the FDIC failed bank list.

How many branches does County National Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hillsdale

InstitutionScoreAssetsCapitalProblem loansCompare
Century Bank and TrustBank Coldwater, MI86 out of 100, Very strong$494.0M14.6%0.66%vs
First Federal Savings Bank of AngolaBank Angola, IN86 out of 100, Very strong$137.3M23.3%0.00%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs