County National Bank
Hillsdale, MI
IDRSSD: 682143
Total Assets
$1.32B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
4.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
County National Bank
1 S Howell St
Hillsdale, MI 49242
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/19/1934FDIC Certificate 8798
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| County National Bank (Main) | 1 S Howell St | Hillsdale, MI |
| HOMER BRANCH | 105 W Main St | Homer, MI |
| GROSVENOR BRANCH | 228 E Chicago St | Jonesville, MI |
| CARLETON BRANCH | 1 W Carleton Rd | Hillsdale, MI |
| HANOVER BRANCH | 125 W Main St | Hanover, MI |
| SPRING ARBOR BRANCH | 7845 Spring Arbor Rd | Spring Arbor, MI |
| SOMERSET CENTER BRANCH | 12641 East Chicago Road | Somerset Center, MI |
| HUDSON BRANCH | 325 Railroad St | Hudson, MI |
Showing 7 of 14
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 Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/19/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49242 |
| State and County Number | 26059 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Hillsdale, MI |
Operational Info
| Number of Employees | 240 |
| Domestic Offices | 15 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/19/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.CNBB.BANK |
| Data Updated | 01/30/2026 |
| CERT | 14073 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.32B |
| Total Deposits | $1.12B |
| Total Liabilities | $1.20B |
| Total Equity Capital | $122.17M |
| Net Income | $3.37M |
| Net Loans and Leases | $1.08B |
| Assets Per Employee ($Millions) | $5.59M |
| Bank Premises and Fixed Assets | $11.58M |
| Cash and Balances due from Depository Institutions | $15.94M |
| Deposits Held in Domestic Offices | $1.12B |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 11.25% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 60.03% |
| Tier 1 Risk-Based Capital Ratio | 11.066% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.56% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.258% |
| Earning Assets to total Assets | 95.39% |
Income and Expense
| Total Interest Income | $18.37M |
| Total Noninterest Income | $2.20M |
| Total Interest Expense | $5.45M |
| Total Noninterest Expense | $9.07M |
| Net Interest Income | $12.92M |
| Pre-tax Net Operating Income | $4.20M |
| Provision for Credit Losses | $1.85M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $245.00k |
| Other borrowed funds | $65.60M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.48M |
| Total Liabilities and Capital | $1.32B |
Securities
| Securities | $170.01M |
| Available-for-sale debt securities | $130.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $39.51M |
| 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?
4.12%.
How many domestic offices does it operate?
15.
When was it established?
03/19/1934.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$1.08B (latest filing).
What is the total interest income (latest filing)?
$18.37M.