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Huron Valley State Bank

Milford, MI · Cert 57990 · Huron Valley Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Huron Valley State Bank

Milford, MI · Cert 57990 · Huron Valley Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$291.9MAssets
$243.4MLoans
$261.4MDeposits
$28.1MEquity
Loan mix
88%RE $203.1M12%C&I $26.9M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $172.9M34%Noninterest $88.5MQ2 2025Q2 2026

NIM

5.53%Q2 ’245.50%Q2 ’255.47%Q2 ’26-1%-3%

Non-interest income vs. expense

2.78%Q2 ’242.91%Q2 ’252.92%Q2 ’26-9%+13%

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #19 of 37 inst. · $0.3B of $183.9B

Executive Summary

  • Earnings: ROA of 0.95%, down 31 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.70% of loans (+159 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.96%, down 135 bps from a year ago.
  • Funding: loans stand at 93.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-13 bps YoY

Efficiency Ratio (YTD, annualized)

70.17%+652 bps YoY

Tier 1 Leverage Ratio

9.96%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.18%1.16%0.87%0.95%-31 bps
Return on Equity11.88%11.06%11.07%8.97%9.82%-206 bps
Net Interest Margin4.01%3.93%3.85%3.97%3.88%-13 bps
Efficiency Ratio63.64%65.29%65.49%72.12%70.17%+652 bps
Non-Interest Burden2.35%2.40%2.38%2.79%2.64%+30 bps
Growth
Asset Growth (YoY)6.57%7.71%10.21%15.84%15.17%+860 bps
Loan Growth (YoY)5.16%7.84%21.24%22.33%21.98%+1,682 bps
Deposit Growth (YoY)5.57%7.12%8.31%17.04%16.42%+1,085 bps
Asset Quality
Nonperforming Loans / Loans0.11%2.02%1.81%1.79%1.70%+159 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.35%1.32%1.26%1.26%1.22%-13 bps
Allowance Coverage of NPLs12.5x0.7x0.7x0.7x0.7x-11.8x
Capital
Tier 1 Leverage Ratio11.31%11.16%10.27%10.20%9.96%-135 bps
Total Risk-Based Capital14.06%13.64%11.94%11.94%11.68%-238 bps
Equity / Assets10.74%10.75%9.93%9.57%9.62%-111 bps
Liquidity & Funding
Loans / Deposits88.87%89.63%96.52%90.00%93.11%+424 bps
Liquid Assets / Assets8.87%8.68%3.91%7.84%5.29%-357 bps
CRE / Total Capitaln/a556%637%640%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Huron Valley State Bank

Milford, MI · Cert 57990 · Peer group: banks under $1B in assets (n=581-629) · Huron Valley Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$291.9MAssets
$243.4MLoans
$261.4MDeposits
$28.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 492 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.92%

Rank 359 of 629

Net Interest Margin

3.88%

Rank 200 of 629

Efficiency Ratio

70.17%

Rank 356 of 629

Equity / Assets

9.62%

Rank 411 of 629

Non-interest income vs. expense

$0.8M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 44% of banks under $1B in assets
Bank 70.17%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.60%1.01%1.45%Beats 43%359 / 629
Return on Equity9.60%5.38%9.30%13.28%Beats 51%309 / 629
Net Interest Margin3.88%3.03%3.54%4.05%Beats 68%200 / 629
Efficiency Ratio70.17%58.35%67.79%79.08%Beats 44%356 / 629
Asset Quality
Nonperforming Loans / Loans1.70%0.09%0.46%1.20%Beats 15%492 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio10.56%11.24%13.84%18.77%Beats 17%525 / 629
Total Risk-Based Capital Ratio11.68%11.58%14.43%19.66%Beats 25%470 / 629
Equity / Assets9.62%9.09%10.65%13.80%Beats 35%411 / 629
Liquidity & Funding
Loans / Deposits93.11%67.24%80.90%93.48%75th pctl151 / 594
Loans / Assets83.39%53.31%67.71%78.15%89th pctl71 / 629
Brokered Deposits / Depositsn/aNot reported for this institution