BlastPoint's Banking Scorecard
County National Bank
Community
Specialty: Commercial
MI
FDIC cert 14073
Hillsdale, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
County National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.1% YoY
+0.2% QoQ
|
-$71.8M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$1.1B
+4.8% YoY
+1.4% QoQ
|
+$108.5M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.1B
+1.8% YoY
-0.1% QoQ
|
-$45.2M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.98%
+2.3% YoY
+1.6% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.95%
+4.9% YoY
+1.6% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
68.11%
-2.8% YoY
-4.1% QoQ
|
+5.48% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
1.53%
+132.0% YoY
-13.2% QoQ
|
+0.90% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
96.84%
+2.9% YoY
+1.5% QoQ
|
+13.78% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
19.49%
-2.9% YoY
+0.7% QoQ
|
-1.56% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.27%
+139.4% YoY
-11.1% QoQ
|
+0.77% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
11.07%
+6.6% YoY
+1.4% QoQ
|
+0.82% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.67%
+2.5% YoY
+32.9% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#180 of 513 · Bottom 35% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.84%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.84% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.49% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.07% · Tier avg: 10.24%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.11% · Tier avg: 62.63%
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
31
31th pctile
Efficiency Ratio
Current: 68.11% · Tier avg: 62.63%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.07% · Tier avg: 10.24%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.49% · Tier avg: 21.05%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.84% · Tier avg: 83.06%