Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs County National Bank
Metric by metric
| Measure | Southern Michigan Bank & Trust | County National Bank |
|---|---|---|
| TellerScore | 56 (stronger) | 41 |
| Capital cushion | 40 | 43 (stronger) |
| Loan quality | 69 (stronger) | 13 |
| Earnings | 54 | 60 (stronger) |
| Funding & liquidity | 50 (stronger) | 47 |
| Problem-loan coverage | 84 (stronger) | 56 |
| Peer percentile | 15th | 2nd |
| Total assets | $1.7B | $1.4B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 9.04% | 9.34% (stronger) |
| Problem loans | 0.92% (stronger) | 2.62% |
| Net charge-offs | 0.13% | 0.08% (stronger) |
| Return on assets | 0.85% | 1.00% (stronger) |
| Loans ÷ deposits | 89.9% (stronger) | 101.9% |
| Uninsured deposits | 33.6% | 25.0% (stronger) |
| Offices | 17 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 11.9% |
Southern Michigan Bank & Trust has the higher TellerScore (56 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 3 and County National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jackson, MI
- Hillsdale, MI