BlastPoint's Banking Scorecard
County National Bank
Designations: ✓ Community bank
Hillsdale, MI
15 branches across MI
County National Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30.8% in tier
- - Liquidity Strain: Bottom 34.4% in tier
- - ROA 0.39% below tier average
- - Efficiency Ratio 9.43% above tier average
- - Delinquency Rate 0.63% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.8% YoY
+0.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$1.1B
+4.8% YoY
+0.6% QoQ
|
-$874.8M |
$2.0B
+0.6% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.1B
+0.4% YoY
+1.0% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.98%
+11.1% YoY
-0.6% QoQ
|
-0.39% |
1.37%
+19.6% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
4.01%
+7.1% YoY
+1.5% QoQ
|
+0.19% |
3.82%
+6.9% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
70.49%
-2.8% YoY
+3.5% QoQ
|
+9.43% |
61.06%
-4.6% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
1.52%
+131.8% YoY
-0.8% QoQ
|
+0.63% |
0.89%
+14.1% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
96.38%
+4.3% YoY
-0.5% QoQ
|
+12.17% |
84.20%
+0.3% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
17.77%
-2.2% YoY
-8.8% QoQ
|
-3.52% |
21.29%
-2.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.26%
+139.8% YoY
-1.1% QoQ
|
+0.59% |
0.67%
+15.6% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.5% in tier |
| Tier 1 Capital Ratio ? |
11.18%
+6.4% YoY
+1.0% QoQ
|
-3.98% |
15.16%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.16%
-1.6% YoY
-76.2% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.