BlastPoint's Banking Scorecard
County National Bank
Designations: ✓ Community bank
Hillsdale, MI
15 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
- Deposits +0.2% year over year ($1.1B on the books).
- Delinquency rate 2.65%.
- Return on assets 1.00%.
- Efficiency ratio 69.27% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.92% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
County National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.79% above tier average
- - Nonperforming Asset Ratio 1.53% above tier average
- - ROA 0.39% below tier average
- - Efficiency Ratio 9.55% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.0% YoY
+2.5% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$1.1B
+6.5% YoY
+3.4% QoQ
|
-$836.4M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$1.1B
+0.2% YoY
-2.2% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.00%
+6.7% YoY
+2.6% QoQ
|
-0.39% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
4.03%
+5.5% YoY
+0.5% QoQ
|
+0.16% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
69.27%
-3.2% YoY
-1.7% QoQ
|
+9.55% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
2.65%
+297.9% YoY
+74.9% QoQ
|
+1.79% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.8% in tier |
| Loan-to-Deposit Ratio ? |
101.92%
+6.4% YoY
+5.7% QoQ
|
+16.88% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.16%
-6.3% YoY
+7.9% QoQ
|
-2.11% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
2.21%
+299.4% YoY
+75.3% QoQ
|
+1.53% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.3% in tier |
| Tier 1 Capital Ratio ? |
11.01%
+4.0% YoY
-1.5% QoQ
|
-3.83% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.34%
-0.5% YoY
+113.5% QoQ
|
-0.19% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.2%
-1.3pp YoY +1.4pp QoQ |
-2.2pp | 21.4% | 25.9% | 22.2% | 46% |
| Brokered Deposits |
6.1%
+1.3pp YoY -2.4pp QoQ |
-3.4pp | 9.5% | 12.3% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.6%
-1.5pp YoY -1.4pp QoQ |
+6.6pp | 14.0% | 12.8% | 12.5% | 82% |
| CRE |
41.6%
+0.2pp YoY +1.9pp QoQ |
-8.4pp | 50.0% | 45.9% | 41.4% | 28% |
| 1-4 Family |
30.6%
+1.4pp YoY -0.3pp QoQ |
+4.2pp | 26.4% | 33.6% | 31.3% | 67% |
| Consumer |
3.2%
-0.4pp YoY 0.0pp QoQ |
-1.5pp | 4.7% | 4.6% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.0%
+0.4pp YoY -0.2pp QoQ |
-4.6pp | 15.6% | 26.9% | 19.7% | 10% |
| Leverage Ratio |
9.3%
+0.7pp YoY +0.1pp QoQ |
-2.0pp | 11.3% | 12.3% | 12.6% | 19% |
| Total Capital Ratio |
12.2%
+0.3pp YoY -0.2pp QoQ |
-4.5pp | 16.7% | 27.9% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
241
-4 (-1.6%) YoY +5 (+2.1%) QoQ |
-73 | 313 | 134 | 482 | 52% |
| Assets per Employee ($) |
$5.7M
+8.8% YoY +0.3% QoQ |
-$4.8M | $10.5M | $6.8M | $8.8M | 8% |
| Branch Count |
15
0 YoY 0 QoQ |
-5 | 20 | 9 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 53% |
| Nonaccrual |
2.6%
+2.0pp YoY +1.1pp QoQ |
+1.8pp | 0.8% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
0.42x
-77.0% YoY -43.4% QoQ |
-18.29x | 18.71x | 6.79x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
-0.3pp YoY +0.3pp QoQ |
-1.8pp | 12.6% | 11.7% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.5% | 1.7% | 38% |
| Net Income ($, YTD) |
$6.7M
+11.2% YoY — QoQ |
-$12.5M | $19.2M | $7.3M | $40.4M | 21% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.