County National Bank
Hillsdale, Michigan · FDIC Cert #14073
County National Bank is an FDIC-insured bank (Certificate #14073) with $1.2B in total assets and $1.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Hillsdale, Michigan, the bank maintains a Tier 1 capital ratio of 10.31% (Well-Capitalized) and a nonperforming loan ratio of 0.68%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
County National Bank (FDIC cert 14073) is a mid-sized bank with $1.2B in total assets and $1.0B in deposits, based in Hillsdale, Michigan. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.31% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.68% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.17% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. County National Bank carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: County National Bank
- Total Assets
- $1.2B
- Total Deposits
- $1.0B
- Tier 1 Capital Ratio
- 10.31%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.68%
- Liquidity Ratio
- 14.90%
- Return on Assets
- 1.17%
- Headquarters
- Hillsdale, Michigan
- FDIC Certificate
- #14073
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, County National Bank holds a Tier 1 capital ratio of 10.31%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning County National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
County National Bank shows strong financial health indicators. With $1.2B in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How County National Bank Compares
County National Bank’s Health Score of 65 is 8 points below the Michigan state average of 73 across 69 FDIC-insured banks. Its 10.31% Tier 1 capital ratio is 3.7 points below the US banking industry average near 14%. The 0.68% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.17% is in line with or above the national ROA benchmark of ~1.1%. Among 882 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, County National Bank is 5 points below the portfolio average of 70.
Frequently Asked Questions
County National Bank has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.31%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. County National Bank's Tier 1 capital ratio of 10.31% and nonperforming loan ratio of 0.68% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at County National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14073). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
County National Bank holds $1.2B in total assets and $1.0B in total deposits. It is headquartered in Hillsdale, Michigan (FDIC Certificate #14073).
County National Bank has a Tier 1 capital ratio of 10.31%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.68%, and the return on assets is 1.17%.
Yes. County National Bank is FDIC-insured (Certificate #14073). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
County National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.