This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Hillsdale, MI
Health score
64.4
Total assets
$1.4B
Bank
Coldwater, MI
Health score
71.1
Total assets
$1.7B
Answer first
County National Bank leads on capitalization and profitability; Southern Michigan Bank & Trust leads on financial health and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Southern Michigan Bank & Trust
Higher TFS health score
Capitalization
County National Bank
Higher comparable capital ratio
Profitability
County National Bank
Higher return on assets
Lending quality
Southern Michigan Bank & Trust
Lower problem-loan measure
Growth
Southern Michigan Bank & Trust
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | County National Bank | Southern Michigan Bank & Trust |
|---|---|---|
| TFS health score | 64.4/100 | 71.1/100Leads |
| Total assets | $1.4B | $1.7B |
| Total deposits / shares | $1.1B | $1.4B |
| Tier 1 capital ratio | 9.34%Leads | 9.04% |
| Return on assets | 1.00%Leads | 0.85% |
| Return on equity | 10.83%Leads |
County National Bank
15 branches
Southern Michigan Bank & Trust
21 branches
Both institutions report branches in 1 state: MI.
County National Bank
Unavailable
Southern Michigan Bank & Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
County National Bank
0 in TFS registry
Southern Michigan Bank & Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | County National Bank score | County National Bank ROA | Southern Michigan Bank & Trust score | Southern Michigan Bank & Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.00% | — | 0.79% |
| 2024-Q4 | — | 0.96% | — | 0.80% |
| 2025-Q1 | — | 0.88% | — | 0.93% |
| 2025-Q2 | — | 0.94% | — | 0.96% |
| 2025-Q3 | — | 0.97% | — | 0.93% |
| 2025-Q4 | — | 0.98% | — | 0.91% |
| 2026-Q1 | 69.8/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.43% |
| Non-performing loans | 2.62% | 0.92%Leads |
| Net charge-offs | 0.08%Leads | 0.13% |
| Efficiency ratio | 69.27% | 69.33% |
| Loan-to-deposit ratio | 101.92% | 89.90% |
| Asset growth (YoY) | 6.98% | 7.09%Leads |
| Deposit / share growth (YoY) | 0.15% | 7.14%Leads |
| Branches | 15 | 21 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.98% |
| 71.4/100 |
| 0.85% |
| 2026-Q2 | 64.4/100 | 1.00% | 71.1/100 | 0.85% |