Question 1

What is County National Bank?

Accepted Answer

County National Bank is a locally owned community banking organization serving south-central Michigan with approximately $1.3 billion in total assets. Headquartered in Hillsdale since 1934, the bank operates 15 full-service branches and 19 ATMs across four counties: Calhoun, Hillsdale, Jackson, and Lenawee.

With 240 employees, County National Bank is deeply committed to providing friendly, personal service to individuals and businesses throughout southern Michigan. The bank emphasizes local decision-making, community reinvestment, and building lasting relationships with customers and neighbors.

Question 2

When was County National Bank founded?

Accepted Answer

County National Bank was founded in 1934, emerging from the reorganization of a predecessor institution following the bank holiday declared by President Franklin D. Roosevelt in March 1933. During the Great Depression, President Roosevelt closed all national banks, and only those in sound financial condition were permitted to reopen.

The bank was reorganized in February 1934 through a stock offering to existing depositors, capitalized with $225,000 in preferred stock, $225,000 in common stock, and $90,000 in surplus. At this time, the bank also formed a Trust Department to serve customers' trust and estate needs, reflecting its commitment to comprehensive financial services.

When the bank opened its doors in Hillsdale in 1934, the founders made a deliberate decision to operate as a true community bank—a commitment that has remained steadfast for over 90 years.

Question 3

Where is County National Bank headquartered?

Accepted Answer

County National Bank is headquartered at 1 South Howell Street in Hillsdale, Michigan, in Hillsdale County. This location has served as the bank's home since its founding in 1934, demonstrating remarkable continuity and commitment to its original community.

Hillsdale, a small city in south-central Michigan, serves as an ideal base for a community bank dedicated to serving rural and small-town communities throughout the region.

Question 4

Where does County National Bank operate?

Accepted Answer

County National Bank operates 15 full-service branches and 19 ATMs throughout south-central Michigan, with a service area spanning four counties:

Hillsdale County: Multiple locations including the main office in Hillsdale, as well as branches in Jonesville, Litchfield, and other communities.

Lenawee County: Serving communities including Adrian, Hudson, and Tecumseh.

Jackson County: Providing banking services in Jackson, Hanover, Homer, and Spring Arbor.

Calhoun County: A location in Somerset Center extends the bank's reach into this neighboring county.

The bank also operates specialized centers including the East Lansing Business Loan Center and Portage Business Loan Center, extending the bank's commercial lending capabilities beyond its core branch network into growing business markets.

This extensive network ensures that residents and businesses across south-central Michigan have convenient access to personalized community banking services.

Question 5

What services does County National Bank offer?

Accepted Answer

County National Bank offers a comprehensive suite of banking services for individuals and businesses:

Personal Banking: Checking accounts, savings accounts, money market accounts, and certificates of deposit with competitive rates and terms designed for savers and families.

Lending Services: Residential mortgages, home equity loans, personal loans, and auto financing to help customers achieve homeownership and other financial goals.

Business Banking: Commercial checking and savings accounts, business loans, commercial real estate financing, and lines of credit for local businesses and agricultural operations.

Trust and Wealth Management: Professional trust services, estate planning assistance, and wealth management solutions through the Trust Department established in 1934.

Treasury Management: Cash management services, merchant services, ACH origination, and remote deposit capture for business clients seeking efficient operations.

Digital Banking: Full-service online banking, mobile banking with mobile deposit, and bill pay services enabling customers to manage finances 24/7 while maintaining access to local branch support.

Agricultural Lending: Specialized financing for farms and agricultural operations, reflecting the importance of agriculture in the bank's rural service area.

County National Bank emphasizes the balance between modern digital convenience and traditional personal service, with extended branch hours and Saturday banking at many locations.

Question 6

What makes County National Bank unique?

Accepted Answer

County National Bank distinguishes itself through several key characteristics:

90+ Years of Local Commitment: Since opening in 1934, the bank has remained locally owned and deeply committed to south-central Michigan. The building blocks of its success are honesty, integrity, and exceptional service—values that have guided the institution through economic challenges including the Great Depression.

Community Reinvestment: The bank puts money to work directly in the neighborhoods it serves by supporting businesses, creating jobs, and contributing to charitable organizations. Associates dedicate thousands of volunteer hours annually, serving alongside customers to make communities better places to work and live.

Local Decision-Making: All banking decisions are made by local associates and board members who understand the specific economic conditions and opportunities of south-central Michigan. This enables faster loan decisions and more flexible solutions than distant corporate headquarters can provide.

Family Relationships: County National Bank markets itself with the tagline "banking on the success of your community," reflecting the philosophy that when customers succeed, the community succeeds, and the bank succeeds.

Broad Service Network: With 15 branches and 19 ATMs across four counties, plus specialized business loan centers in growing markets, the bank combines local presence with convenient access throughout the region.

Financial Stability: Strong financial performance with a Return on Assets of 0.97% and Return on Equity of 11.25%, along with solid regulatory capital ratios, demonstrates prudent management and sustainable operations.

Comprehensive Services: Unlike many community banks that outsource trust services, County National Bank maintains its own Trust Department, offering wealth management and estate planning expertise that has served families for 90 years.

Question 7

What type of financial institution is County National Bank?

Accepted Answer

County National Bank is a National Bank—a commercial bank chartered under federal law and regulated by the Office of the Comptroller of the Currency (OCC). The bank is also a member of the Federal Reserve System and carries FDIC Certificate Number 14073.

As a national bank with a commercial lending specialization, County National Bank operates under federal banking regulations while maintaining its community banking focus. Despite the national charter, the bank remains firmly committed to serving local communities in south-central Michigan, exemplifying how a national charter can support a strong community banking mission.

County National Bank

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About County National Bank in the United States