County National Bank
Hillsdale, MI · Cert 14073 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CNB Community Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.1BDeposits
$125.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 73% of banks $1B-$10B in assets operating in a single state (rank 69 of 258).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets operating in a single state (rank 245 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.98%
Rank 181 of 258
Net Interest Margin
3.83%
Rank 69 of 258
Efficiency Ratio
69.27%
Rank 190 of 257
Equity / Assets
9.22%
Rank 184 of 258
Non-interest income vs. expense
Unfavorable gap of $32.7M · efficiency ratio beats 26% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.93% | 1.23% | 1.54% | Beats 30% | 181 / 258 | |
| Return on Equity | 10.65% | 9.26% | 11.84% | 14.74% | Beats 39% | 157 / 258 | |
| Net Interest Margin | 3.83% | 3.16% | 3.49% | 3.88% | Beats 73% | 69 / 258 | |
| Efficiency Ratio | 69.27% | 51.71% | 60.30% | 69.65% | Beats 26% | 190 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.62% | 0.19% | 0.46% | 0.90% | Beats 5% | 245 / 258 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 33% | 173 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 11.41% | 12.98% | 15.12% | Beats 22% | 202 / 258 | |
| Total Risk-Based Capital Ratio | 12.16% | 12.10% | 13.91% | 16.08% | Beats 26% | 190 / 258 | |
| Equity / Assets | 9.22% | 9.09% | 10.24% | 11.72% | Beats 29% | 184 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 103.06% | 73.24% | 86.34% | 95.95% | 87th pctl | 33 / 258 | |
| Loans / Assets | 83.50% | 63.01% | 72.27% | 78.40% | 91st pctl | 23 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |