Compared with Michigan
7 of 13
compared fees are above the median.
5 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
48th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 13 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 25, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan 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
Service charges were 2.1% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (48th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
7 of 13 compared published fees sit above the Michigan median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
CNB Checking
Can be waived with an average daily balance of $2,000 or more.
NSF / Returned Item
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.
Service-charge income rose 1.6% from Q3 2025 to Q2 2026, to $327K. Its share of revenue, 2.1%, is below the 2.2% median for banks with $1B to $10B in assets.
$327K
County National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for County National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, County National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to County National Bank by share.
Amounts from County National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| CNB Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closed within 90 Days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee (per month) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Returned Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| CNB Client at Non-CNB ATM | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $5Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - International | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Canadian Check Collection | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where County National Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $1.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 8 | $648.3M |
| 5 | $410.6M | |
| 1 | $46.8M |
Jackson, MI
16.8% of bank deposits, #3 of 12, up 2.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Flagstar Bank, National Association | 26.9% |
| Fifth Third Bank, National Association | 22.4% |
| The Huntington National Bank | 15.9% |
| Southern Michigan Bank & Trust | 4.2% |
| Old National Bank | 4.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jackson, MI, County National Bank holds 16.8% of bank deposits, #3 of 12, with 5 offices.
57 offices of 21 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 12 institutions shown. $2.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 16.8% share, 5 offices, #3 of 12
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
27 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.