County National Bank: how it compares with its peers
Against 14 MI banks with half to twice its assets, County National Bank's strongest measure in Q2 2026 is net interest margin (4.03% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.3M).
| Measure | County National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.09% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.80% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.27% | 68.27% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.92% | 90.85% | Context |
What it means for lending operations
Its efficiency ratio of 69.27% is better than the 68.27% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank Eastpointe, MI · $1.35B
- The Dart Bank Mason, MI · $1.47B
- University Bank Ann Arbor, MI · $1.24B
- West Michigan Community Bank Hudsonville, MI · $1.21B
- Northstar Bank Bad Axe, MI · $1.16B
- United Bank of Michigan Grand Rapids, MI · $1.06B
Questions about County National Bank
How big is County National Bank?
County National Bank, established in 1934, is headquartered in Hillsdale, MI. It reported $1.36B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is County National Bank's return on assets?
1.00% annualized in Q2 2026, against a 1.09% median for 14 MI banks with half to twice its assets, ahead of 36% of them.
What is County National Bank's efficiency ratio?
69.27% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 68.27%, and lower is better.
Is County National Bank growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.