County National Bank

Name

County National Bank

Legal name

County National Bank

Website

https://cnbb.bank

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Hillsdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest earned on loans and securities minus interest paid on deposits. Primary revenue driver with net interest margin of 3.98% in Q1 2026, up from 3.74% YoY, driven by lower cost of funds as certificates of deposit rates reset at lower market values.
2. Non-Interest Income: Fees from banking services including account maintenance, transaction processing, wealth management services, and other banking fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

County National Bank is a community bank offering personal banking, business banking, and wealth management products and services through 13 full-service branch offices in southern Michigan, complemented by Fiserv-powered online and mobile banking channels. Products span checking, savings, mortgages, business loans, treasury management, investment management, trust services, and retirement planning.

Product overview

County National Bank operates as a one-bank holding company (CNB Community Bancorp, Inc.) offering a unified community banking platform through 13 full-service offices in southern Michigan. The core product portfolio spans Personal Banking (checking, savings, loans, mortgages, CDs, IRAs, credit cards, and HSAs), Business Banking (commercial accounts, business loans, treasury management, and retirement plans), and Wealth Management (investment management, trust services, private banking, and financial planning). Digital banking services including Online Banking, Mobile Banking, and Bill Pay are powered by Fiserv, with supplementary services such as Mobile Deposit, Account to Account Transfers, CNB CardHub for debit card management, and E-Statements completing the offering. The bank serves consumers and businesses in Hillsdale County and surrounding southern Michigan communities since 1934.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Comprehensive consumer banking services including checking accounts, savings accounts, personal loans, mortgages, CDs, IRAs, credit cards, health savings accounts (HSAs), and ATM/debit cards offered through 13 full-service branch offices in southern Michigan and digital channels.
• Business Banking Commercial banking services for business customers including business checking and savings accounts, business loans, certificates of deposit, treasury management, business credit cards, business ATM and debit cards, employer-sponsored retirement plans, and intraFi Network Deposits for FDIC coverage beyond standard limits.
• Wealth Management Financial advisory services including investment management, trust and estate settlement, retirement planning, private banking, financial planning, and insurance services for affluent individuals.
• Mortgages Home loan products underwritten and serviced locally by community-based lenders, with local decision-makers and closers serving the southern Michigan market.
• Online Banking Web-based digital banking platform providing account access, balance and transaction history viewing, intra-account and external fund transfers, online bill payment initiation, electronic statement delivery, and check stop payment requests.
• Mobile Banking Smartphone banking application for iOS and Android with biometric (fingerprint and facial recognition) login, balance and transaction viewing, fund transfers, mobile alerts, expense tracking, and mobile check deposit.
• Telebanc (Telephone Banking) Telephone banking service allowing customers to access accounts and conduct basic transactions by phone using PIN authentication, reachable at 888-322-1088 or 517-439-4300.
• IntraFi Network Deposits Deposit placement service for business customers allowing access to FDIC insurance coverage beyond the standard $250,000 limit by placing deposits across multiple network banks.
• Treasury Management Cash management services for business customers covering liquidity, payments, and collections efficiency.
• Credit Cards Consumer and business credit card products issued under the bank's brand for personal and commercial customers.
• E-Statements Electronic statement delivery providing digital access to periodic account statements for personal accounts.

Quantifiable outcome

• Net income grew 11.1% to $3.0 million in Q1 2026
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Fiserv, Inc.coreTechnology or IntegrationFiserv provides core banking technology infrastructure powering County National Bank's digital banking services including online banking, mobile banking, CardHub card management, and mobile deposit capture functionality.
• IntraFi Network DepositscoreTechnology or IntegrationIntraFi Network Deposits provides deposit placement services allowing CNB business customers to access FDIC insurance coverage beyond the standard $250,000 limit by placing deposits across multiple network banks.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Independent Bank Corporation: Michigan-headquartered community bank holding company operating a similar regional branch-banking model with retail, commercial, and wealth management services across Michigan communities.
• Mercantile Bank Corporation: Grand Rapids, Michigan-based community bank offering commercial, retail, and wealth management services through a regional branch network, directly comparable in scale and product mix to CNB.
• ChoiceOne Financial Services: Michigan community bank holding company providing personal, business, and wealth management banking across western and southeastern Michigan, with similar asset size and customer focus.
• Lake Sunapee Bank Group (Bar Harbor Bankshares): Small community bank holding company with a similar sub-$2B asset footprint, delivering community-based retail, commercial, and wealth management services comparable to CNB's model.
• Isabella Bank Corporation: Michigan-headquartered community bank with similar asset size, branch-based distribution, and full-service personal, business, and wealth management offerings targeting central and mid-Michigan markets.
• Mackinac Financial Corp: Michigan-based community bank holding company with comparable asset base, branch network, and product offering of personal and commercial banking services.
• Level One Bancorp: Michigan community bank holding company offering commercial, retail, and mortgage banking services with similar regional branch presence and target customer base.
• Chemung Canal Trust Company: New York-based community bank with similar sub-$2B asset profile, full-service retail/commercial banking, and trust/wealth management services for a regional customer base.

Regional players

• CNB Financial Corp (PA): Pennsylvania-based community bank holding company with comparable asset size, full-service community banking model, and diversified retail/commercial/wealth offerings — not directly competing geographically.

Others

• Fiserv, Inc. Core technology vendor powering CNB's online, mobile, CardHub, and mobile deposit platforms; comparable not as a competitor but as the enabling infrastructure provider whose roadmap shapes CNB's digital trajectory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CountyNationalBank
• LinkedInlinkedin.com/company/county-national-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about County National Bank