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County National Bank

Hillsdale, MI
IDRSSD: 682143
Total Assets
$1.32B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
4.06%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date03/19/1934
Community BankYes
Ownership TypeNot Mutual
ZIP49242
State and County Number26059
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameHillsdale, MI

Operational Info

Number of Employees245
Domestic Offices15
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/19/1934
Primary Insurance AgencyDIF
WebsiteWWW.CNBB.BANK
Data Updated11/14/2025
CERT14073
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.32B
Total Deposits$1.12B
Total Liabilities$1.20B
Total Equity Capital$117.58M
Net Income$3.33M
Net Loans and Leases$1.07B
Assets Per Employee ($Millions)$5.49M
Bank Premises and Fixed Assets$11.35M
Cash and Balances due from Depository Institutions$41.69M
Deposits Held in Domestic Offices$1.12B

Key Performance Ratios

Return on Assets (ROA)1.03%
Return on Equity (ROE)11.67%
Net Interest Margin4.06%
Efficiency Ratio69.87%
Tier 1 Risk-Based Capital Ratio10.911%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.932%
Earning Assets to total Assets94.93%

Income and Expense

Total Interest Income$18.27M
Total Noninterest Income$2.26M
Total Interest Expense$5.78M
Total Noninterest Expense$10.30M
Net Interest Income$12.49M
Pre-tax Net Operating Income$4.20M
Provision for Credit Losses$245.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$44.00k
Other borrowed funds$65.60M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$12.81M
Total Liabilities and Capital$1.32B

Securities

Securities$155.98M
Available-for-sale debt securities$114.13M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$41.49M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of County National Bank?
$1.32B as of the latest filing.
How much are County National Bank's total deposits?
$1.12B in total deposits.
Where is County National Bank located?
Hillsdale, MI.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
15.
When was it established?
03/19/1934.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$18.27M.