County National Bank (FDIC #14073): Bank Stress & Real-Estate Credit Exposure
County National Bank (FDIC Cert #14073): bank stress 73/100, elevated, STABLE over 7 days; parent CNB COMMUNITY BCORP INC.
County National Bank (#14073) lends in 4 counties across 1 state; County National Bank (#14073) reaches 78 ZIP codes: Michigan 4 counties, 78 ZIPs.
County National Bank (#14073) largest markets: Jackson County, MI (145 branches, 29 ZIPs) (#14073), Lenawee County, MI (69 branches, 23 ZIPs) (#14073), Calhoun County, MI (22 branches, 22 ZIPs) (#14073), Hillsdale County, MI (95 branches, 19 ZIPs) (#14073).
County National Bank (#14073) reports $1.36 billion in total assets; County National Bank (#14073) equity $125.8 million (9.2% of County National Bank (#14073) assets); County National Bank (#14073) domestic deposits $1.11 billion; County National Bank (#14073) net income $6.7 million; County National Bank (#14073) return on assets 1.00%; County National Bank (#14073) return on equity 10.83%; County National Bank (#14073) net interest income $25.7 million; County National Bank (#14073) call report June 30, 2026.
County National Bank (#14073) noncurrent real-estate loans 0.12% of its book; County National Bank (#14073) multifamily 1.75%; County National Bank (#14073) residential 0.11%; County National Bank (#14073) net charge-offs on real estate 3.28%; County National Bank (#14073) multifamily charge-offs 9.49%; County National Bank (#14073) residential charge-offs 5.58%.
County National Bank (#14073) net interest margin 4.03% against an eight-quarter County National Bank (#14073) average of 3.87% (County National Bank (#14073) compression -0.16 points); County National Bank (#14073) real-estate loans 11.7% of equity; County National Bank (#14073) non-residential real estate 557.6% of equity; County National Bank (#14073) rate-exposure score 40/100, County National Bank (#14073) fixed-rate trap 40/100; County National Bank (#14073) risk type credit driven; County National Bank (#14073) rate regime rates elevated, County National Bank (#14073) snapshot October 19, 2026.
County National Bank (#14073) stress score moved from 72.1 on June 22, 2026 to 73.3 on October 19, 2026; County National Bank (#14073) ranged 72.1 to 73.3 over 116 snapshots.
County National Bank (#14073) alerts: 4 counties; top County National Bank (#14073) alert scores: Homer County, MI 25 (low); Somerset Center County, MI 25 (low); Spring Arbor County, MI 25 (low); Tecumseh County, MI 25 (low).