Hillsdale County National Bank: A Cornerstone of Hillsdale, Michigan

A Legacy of Trust and Financial Stability Since 1872

Deeply Rooted in the Hillsdale Community

Established in the heart of Hillsdale, Michigan, in 1872, Hillsdale County National Bank (HCNB) has been an integral part of the community for nearly 150 years. As the oldest bank in the county, HCNB has witnessed the growth and prosperity of Hillsdale firsthand, serving generations of families and businesses with a commitment to financial stability and personalized service.

Over the decades, HCNB has expanded its operations to include five convenient banking locations in Hillsdale, Jonesville, and Reading, as well as a loan production office in Adrian. This growing footprint reflects the bank's dedication to meeting the evolving needs of its customers.

A Strong Financial Institution with a Proven Track Record

HCNB is a well-capitalized bank with a solid financial foundation. It consistently receives strong ratings from independent financial analysts, including a 5-star rating from Bauer Financial. This rating, based on factors such as capitalization, asset quality, and management, signifies HCNB's financial strength and safety.

In addition, the bank's financial performance has been consistently strong. In 2021, HCNB reported record net income of $12.7 million, a 24% increase from the previous year. This growth was driven by strong loan demand, favorable interest rate spreads, and a focus on cost control.

Personalized Service, Tailored to Your Needs

At HCNB, personalized service is a top priority. The bank's experienced and friendly staff is dedicated to understanding your financial goals and providing customized solutions to meet your unique needs. Whether you're looking for a checking account, a mortgage, or investment advice, HCNB has a team of experts ready to assist you.

The bank offers a comprehensive suite of financial products and services, including:

• Checking and savings accounts
• Certificates of deposit
• Money market accounts
• Personal loans
• Mortgages
• Home equity lines of credit
• Commercial banking services
• Trust and investment services

A Commitment to Community Involvement

HCNB believes in giving back to the community that has supported it for so long. The bank actively participates in numerous local organizations, including the Hillsdale Chamber of Commerce, the United Way of Hillsdale County, and the Hillsdale Hospital Foundation. HCNB also supports local schools, youth programs, and cultural events.

The Benefits of Banking with Hillsdale County National Bank

There are numerous benefits to banking with Hillsdale County National Bank:

Financial Stability: HCNB is a well-capitalized bank with a strong financial foundation, ensuring the safety of your deposits.

Personalized Service: The bank's experienced and friendly staff is committed to understanding your financial goals and providing customized solutions to meet your unique needs.

Convenient Locations: With five banking locations in Hillsdale, Jonesville, and Reading, as well as a loan production office in Adrian, HCNB is easily accessible to customers throughout the region.

Comprehensive Product Offerings: The bank offers a full range of financial products and services, allowing you to meet all of your banking needs in one place.

Commitment to Community: HCNB is actively involved in numerous local organizations, supporting the community that has supported the bank for nearly 150 years.

Case Study: How HCNB Helped a Local Business Grow

Miller's Hardware, a family-owned business in Hillsdale, had been struggling to secure financing to expand their operations. After being turned down by several banks, they approached HCNB.

The bank's loan officers worked closely with the Miller family to understand their business plan and financial needs. HCNB provided a tailored loan solution that enabled Miller's Hardware to purchase the property next door, expand their retail space, and hire additional staff.

Within a year, Miller's Hardware saw a significant increase in sales and profitability. The expansion had not only helped the business grow, but had also created new jobs in the community.

Compare and Contrast: HCNB vs. Other Banks

When choosing a bank, it is important to compare the different options available. Here is a table comparing HCNB to two other banks in the Hillsdale area:

Frequently Asked Questions (FAQs)

Q: Is HCNB a safe and secure bank?

A: Yes, HCNB is a well-capitalized bank with a strong financial foundation and a 5-star Bauer Financial rating. Your deposits are safe and secure with HCNB.

Q: What types of financial products and services does HCNB offer?

A: HCNB offers a full range of financial products and services, including checking and savings accounts, certificates of deposit, money market accounts, personal loans, mortgages, home equity lines of credit, commercial banking services, and trust and investment services.

Q: Where is HCNB located?

A: HCNB has five banking locations in Hillsdale, Jonesville, and Reading, as well as a loan production office in Adrian.

Q: What are the benefits of banking with HCNB?

A: The benefits of banking with HCNB include financial stability, personalized service, convenient locations, comprehensive product offerings, and a commitment to community involvement.

Q: How do I open an account with HCNB?

A: You can open an account with HCNB by visiting one of our banking locations or by calling our customer service line at (517) 439-9488.

Q: What is HCNB's routing number?

A: HCNB's routing number is 072902997.

Call to Action

If you are looking for a safe, reliable, and customer-focused bank in Hillsdale County, Hillsdale County National Bank is the right choice for you. With a long history of financial stability, personalized service, and a commitment to community, HCNB is dedicated to helping you achieve your financial goals.

Visit one of our banking locations today or call us at (517) 439-9488 to learn more about how we can help you.

Additional Resources

• HCNB Website
• Hillsdale County Chamber of Commerce
• United Way of Hillsdale County
• Hillsdale Hospital Foundation

Tables

Table 1: HCNB Financial Performance

Table 2: HCNB Product Offerings

Table 3: Comparison of HCNB to Other Banks