County National Bank

Headquarters: Hillsdale, Michigan
Charter: Bank
Assets: $1.4B
Fed district: Chicago
Regulator: OCC
Holding company: Cnb Community Bancorp Inc.

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 25, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 25, 2026

How these figures are measured

Call-report figures are for County National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	County National Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 25, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: County National Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $327K in Q2 2026, 5.1% above the same quarter a year earlier ($311K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
CNB Checking
Can be waived with an average daily balance of $2,000 or more.
County National Bank: $5
County National Bank: $5
U.S. median: no median
NSF / Returned Item
County National Bank: $33
County National Bank: $33
U.S. median: no median
Non-Network ATM
County National Bank: $5
County National Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 1.6% from Q3 2025 to Q2 2026, to $327K.

Service-charge income, Q2 2026

$327K

$322KQ3 2025

$314KQ4 2025

$314KQ1 2026

$327KQ2 2026

Against the median

County National BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

County National Bank · $1.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.3B to $1.4B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
County National Bank(this institution)	Hillsdale, MI	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alliance Bank	Sulphur Springs, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blue Sky Bank	Pawhuska, OK	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central National Bank	Junction City, KS	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Bank	Santa Fe, NM	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Coastal Carolina National Bank	Myrtle Beach, SC	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Community Financial Services Bank	Benton, KY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Timberville, VA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First American Bank and Trust	Vacherie, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Alabama	Talladega, AL	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank	Eastpointe, MI	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fm Bank And Trust	Blytheville, AR	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
InBank	Raton, NM	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Independence Bank	Havre, MT	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Liberty National Bank	Lawton, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Martha's Vineyard Bank	Edgartown, MA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Marine Bank	Pascagoula, MS	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Piedmont Federal Savings Bank	Winston Salem, NC	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sabine State Bank and Trust Company	Many, LA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Texas Security Bank	Dallas, TX	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ulster Savings Bank	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (38%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $8 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

County National BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for County National Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $327K
vs prior quarter: +$13K+4.1%; from Q1 2026
vs a year earlier: +$16K+5.1%; from Q2 2025
vs start of range: −$7K−2.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: County National Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$327K	+$13K	+4.1%
Q1 2026	$314K	$0	0.0%
Q4 2025	$314K	−$8K	−2.5%
Q3 2025	$322K	+$11K	+3.5%
Q2 2025	$311K	+$17K	+5.8%
Q1 2025	$294K	−$17K	−5.5%
Q4 2024	$311K	−$23K	−6.9%
Q3 2024	$334K	+$18K	+5.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from County National Bank’s own schedules, with a source for each figure.

Account Maintenance

CNB Checking Monthly service charge$5
per month
New Account Closed within 90 Days$20
Dormant Fee (per month)$10
per month
Account Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Returned Fee$33

ATM & Card

CNB Client at Non-CNB ATM$5
Debit Card Replacement$5
Not compared: Monthly charge, not per item
per month

Wire Transfers

Wire Transfer - Domestic$25
Wire Transfer - International$35

Check Services

Cashier's Check$5
Stop Payments$33
Canadian Check Collection$5

Cash & Deposit

Returned Deposited Item$10

Account Services

Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$25
Not compared: Box drilling or key fee
Garnishments$100

Other Fees

Copies (per page)$0.25
per item
Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
CNB Checking Monthly service charge	$5	per month	None
New Account Closed within 90 Days	$20	Not stated	None
Dormant Fee (per month)	$10	per month	None
Account Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Returned Fee	$33	Not stated	None
ATM & Card
CNB Client at Non-CNB ATM	$5	Not stated	None
Debit Card Replacement	$5Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Wire Transfer - Domestic	$25	Not stated	None
Wire Transfer - International	$35	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Stop Payments	$33	Not stated	None
Canadian Check Collection	$5	Not stated	None
Cash & Deposit
Returned Deposited Item	$10	Not stated	None
Account Services
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishments	$100	Not stated	None
Other Fees
Copies (per page)	$0.25	per item	None
Statement Reprint	$5	Not stated	None

Correct a fee source

Oct 25, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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