County National Bank
Total assets
$1.36B
▲ +7.0% YoY
Deposits
$1.11B
▲ +0.2% YoY
Loans
$1.13B
▲ +6.5% YoY
Offices
15
CNB COMMUNITY BCORP INC
ROA (annualized)
1.00%
peers 1.26%
ROE (annualized)
10.83%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | County National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -4.9 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 1.00% | 1.26% | -0.3 pts |
| ROE | 10.8% | 12.2% | -1.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- CNB COMMUNITY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1 S Howell St, Hillsdale, MI, 49242
- County
- Hillsdale
- Metro area
- Hillsdale, MI
- Offices
- 15
- FDIC cert #
- 14073
- RSSD ID
- 682143
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.11B | $1.13B | $125.8M | $6.7M | 1.00% | 4.03% | 2.21% |
| Q1 2026 | $1.33B | $1.13B | $1.09B | $123.3M | $3.2M | 0.98% | 4.01% | 1.26% |
| Q4 2025 | $1.32B | $1.12B | $1.08B | $122.2M | $12.7M | 0.98% | 3.95% | 1.27% |
| Q3 2025 | $1.32B | $1.12B | $1.07B | $117.6M | $9.4M | 0.97% | 3.89% | 1.43% |
| Q2 2025 | $1.28B | $1.10B | $1.06B | $110.8M | $6.0M | 0.94% | 3.82% | 0.55% |
| Q1 2025 | $1.30B | $1.13B | $1.04B | $108.5M | $2.8M | 0.88% | 3.74% | 0.53% |
| Q4 2024 | $1.28B | $1.10B | $1.03B | $106.3M | $12.0M | 0.96% | 3.77% | 0.53% |
| Q3 2024 | $1.26B | $1.05B | $1.04B | $105.4M | $9.4M | 1.00% | 3.75% | 0.56% |
Loan mix (Q2 2026): real estate $854.8M · commercial $232.1M · consumer $36.4M · securities $164.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | County National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 59.0% | 78th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | County National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | County National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | County National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | County National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Macatawa Bank, National AssociationHolland, MI · $3.69B
- ChoiceOne BankSparta, MI · $4.45B
- Independent BankGrand Rapids, MI · $5.66B
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
- Frandsen Bank & TrustLonsdale, MN · $3.66B
- The Bank of East Asia Ltd.New York, NY · $3.66B
Selling to County National Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.