COUNTY NATIONAL BANK

HILLSDALE, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,073

Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Website

WWW.CNBB.BANK

Address

1 S Howell St, HILLSDALE, MI

County

Hillsdale County

Established

March 19, 1934

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 19, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2026(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$1.1B

Net Income

$3M

ROA

0.98%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.53%

Risk-Based Capital

12.35%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.98%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.35%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate10.43%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.1B

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	326	76.69%	10.43%
2023	358	77.09%	9.50%
2022	604	69.7%	11.42%
2021	1,003	71.19%	8.57%
2020	1,307	68.25%	9.10%
2019	790	72.78%	9.37%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2022	Satisfactory	Intermediate Small Bank
Aug 2019	Satisfactory	Intermediate Small Bank
Aug 2016	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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