# COUNTY NATIONAL BANK
HILLSDALE, MI · FDIC certificate 14073 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.36B | |
| Deposits | $1.11B | |
| Loans and leases | $1.14B | |
| Total equity | $125.8M | |
| Loans / deposits | 101.92% (p89 of band) | 87.10% |
| Liquid assets / assets | 13.63% (p17 of band) | |
| Uninsured deposits / deposits | 24.97% (p30 of band) | 30.76% |
| Brokered deposits | 4.92% | |
| Wholesale funding | 13.83% (p76 of band) | |
| FHLB advances / assets | 7.01% | |
| Tier 1 leverage | 9.34% (p20 of band) | 10.50% |
| Unrealized securities loss / equity | -4.69% (p65 of band) | -7.75% |
| AOCI / equity | -0.22% (p56 of band) | |
| ROA (annualized) | 1.00% (p30 of band) | 1.26% |
| Net interest margin | 4.03% (p70 of band) | 3.70% |
| Efficiency ratio | 69.27% (p78 of band) | |
| Noncurrent loans | 2.62% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 42.34% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 80.93% (p79 of band) | |
| Auto loans | $3.0M (0.26% of loans; DQ 2.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 241 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | brokered >10% |  |
| 2016-09 | 2 | wholesale funding >15% |  |
| 2016-12 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2017-03 | 1 | brokered >10% | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | brokered >10% |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | uninsured deposits leaving |  |
| 2026-06 | 3 | loans exceed deposits, noncurrent p90 | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-03 [Tessa Simmons & Jessica Webb in New Roles at County National Bank - JTV Jackson](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTDh1T0pIZHBGcm5TOEN1VGM1ZnFqeWREV2xFeGtRX1hvY2lPZFlqOHRiYUhOU0hTWlU0dGczdE9BWF90dHdqZFhJU0tkdUFFU2NiQ0xOd1J0WUVEbjBaMklZT045ck9nOHpsUDVUYl9pa2ctc2RxNm1GTHRmWTdyMHdqODJRZw?oc=5) · JTV Jackson
- 2024-09-20 [Several promotions, new hires announced this summer by County National Bank - lenconnect.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNNS1hR1JBUU1XM2dlbGRhSHp4NFljazBoRS15dmJiR3hPakRxdEtDdl9kaUpPVFZQOU5LN3lVbXNvRnJPNVhMNFM4a0FzdV9yUlRFWHNTeEVBSFNPUzdsRE5FZTVGY0VscGNlem5aWVZzajRTZEJpQjkxTF93bjJZcDNUQVZLU3RGdG1YbVN6M1pRZHNQWVNtMmo2alUzYTE4eEtRTXBoNnlYNGRUeE9vczFNUHEtMTNJX29lcmdVTUNkUlRsWTlQQUxOXzlKdw?oc=5) · lenconnect.com
- 2022-03-14 [County National Bank announces promotions - Hillsdale Daily News](https://news.google.com/rss/articles/CBMifEFVX3lxTFBJZS14RE1WZnU1cXJndFkxbEpxZ0Vyem44TENVanplNkJpZTJCUFMyQ085MVRwVHlvajI1anZIVjdMOERqdm9mTTdzX0Jab2lUNFBiRWxaOTI0NTRGRXpwajZpV1RoNE9wRU55NzFTZjRwQUtRX0NmS3pWV2o?oc=5) · Hillsdale Daily News
- 2025-01-12 [Mid-Michigan bank issues scam warning - WILX](https://news.google.com/rss/articles/CBMiekFVX3lxTFA5OV9OME9DMGhyMkdqUFpubGlPUUhMYjNKdjJXWDE0UnJ4emZSNXM1ZU5CMGlsWkV4T29wd29TQmdqazVpZktPU0VxajBXQURUSFdVS0cydGJnRDdod1R6dzNYTFlaelkzd0gtdGFQRXFrRk1YTmstQ05B0gGOAUFVX3lxTFBMNXVzdUZ3LWtkS0hqVkZwOEFhNFhvUGhHRS1RWWxsUDgzU1BjN3U5MVR4VW1VMzZ4bG5rZlpDT0Y3dWVHbWJ5NEVKNldwT3ZjSS13R0VJQ2VDV3QtZGF6eDRZMjdYdThuZDFJNEdGV3JySnpRcmtxNDVjTnNwRjMyTWI4N2RpR3UybDA5ZWc?oc=5) · WILX
- 2025-04-08 [Best Banks and Credit Unions in Michigan 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNemE4TFFGZFhsWDVlS2JUR2JKYzY1YzJseVY1a0hOU0ZPV3lEZFBYSExYYTdpS245ZURXUUJzVi02Y041ZDFfLUY4SWhIUUlvMl9FVGlRc04wQm5HbHRBWDREejBYQUs4MEs2WGFCci1UdWxXc3JESDAxX0M2cmNnLWxlVEcwdTdTRHd0OUdYaw?oc=5) · Newsweek Rankings
- 2021-07-22 [Mercantile Bank of Michigan upgrades National Bank Building at Ionia Free Fair - Sentinel-Standard](https://news.google.com/rss/articles/CBMiygFBVV95cUxQUW5iZ1gycWd5bnZITlEyanpFaTVITW1kYUNUVmVmeVJoZVkzdVhrakRWUGJUeGNMaDJKemNuUUdCSFZUR2UxYXVGa0xWdmdrYS1zWXdvRDBCOFB4cWZib3lEMGF6bWI4U3VRNHBCTlFIWVFORUpRQjNtM2dUNkwycUl5Zl80VVRUc1VYQjZqNEV2enF1QUVlblhDLUZmUjlBWlFWYXJ2QkZabnRYRW5fYzZMallVTFo5RE4zU1BaYzV4c2huN05wS2FB?oc=5) · Sentinel-Standard
- 2023-12-30 [County National Bank announces addition of two new team members - lenconnect.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPYXRHUDVqb0h1VXZSLVhUYUVlejRMUVd0STZQV28xUzlTYXRLQmRXUzc4SHV0SGJZNTRhT2lKWlhnRHc5d1M4X2dfR1IxTTVyRTNwb3RYYjdLMjhWei1FVEFTaUF1NzIzNDVqVnNZSDVjM0N3ZFByMFh3Vmo1TzdXVjQ5NDR6eEVBVklfNnNRb1ktWDBjOWlSUHp3Szg2NlJhVHFaRS0zb0xDSlF1NUNxSDlpaThIOFhlTVdTVnZnN1lyQ1huWkxzd2Vac2wxcENWZUVJ?oc=5) · lenconnect.com
- 2022-09-19 [County National Bank Announces New President and CEO - JTV Jackson](https://news.google.com/rss/articles/CBMid0FVX3lxTE1SRnBLOTJ5MXdEdDJyeFI3TmtzeVNTWF9TcGRqVXQ5YXpMZHZVV3RNRUFsODgyek9XWWRDM2d3dnFod0hGei1jUmN1M0p1a0pSRmVzTlFOUXY4N0Z4cV9DZk91S2VlVDFrSDhwZS1xNTFLa25HYVhZ?oc=5) · JTV Jackson

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14073 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "14073", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide