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County National Bank
Hillsdale, MI · FDIC Certificate #14073 · Chartered 03/1
Total assets
$1.36B
Total deposits
$1.11B
Total equity
$125.85M
Net loans
$1.13B
Branches (offices)
14
Net income (YTD)
$6.70M
Rank: #808 of 4,213 U.S. banks by assets · #11 of 72 in Michigan. Assets changed 7.0% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 10.83% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 9.22% |
| Tier 1 leverage ratio | 9.34% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 2.62% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 101.9% |
| Real estate loans (share of loans) | 75.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $854.81M | 75.9% | |
| Commercial & industrial | $232.09M | 20.6% | |
| Consumer / individual | $36.40M | 3.2% | |
| Construction & development | $101.85M | 9.0% | |
| Agricultural | $13.98M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $1.02B | $5.36M | $87.87M |
| Jun 2023 | $1.17B | $1.07B | $5.64M | $96.06M |
| Jun 2024 | $1.24B | $1.05B | $5.87M | $102.71M |
| Jun 2025 | $1.28B | $1.10B | $6.02M | $110.80M |
| Jun 2026 | $1.36B | $1.11B | $6.70M | $125.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.11B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.11B.
Similar-sized banks
Truxton Trust Company ($1.37B) · Fm Bank And Trust ($1.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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