Milford, MI · Cert 57990 · Huron Valley Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
58
Profitability
54
Liquidity
41
Efficiency
44
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.
Milford, MI · Cert 57990 · Huron Valley Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #19 of 37 inst. · $0.3B of $183.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.20% | 1.02% | 1.26% | 1.18% | 1.16% | 0.87% | 0.95% | -31 bps | |
| Return on Equity | 11.02% | 11.93% | 9.70% | 11.88% | 11.06% | 11.07% | 8.97% | 9.82% | -206 bps | |
| Net Interest Margin | 4.04% | 3.94% | 4.03% | 4.01% | 3.93% | 3.85% | 3.97% | 3.88% | -13 bps | |
| Efficiency Ratio | 65.02% | 62.07% | 67.48% | 63.64% | 65.29% | 65.49% | 72.12% | 70.17% | +652 bps | |
| Non-Interest Burden | 2.56% | 2.37% | 2.66% | 2.35% | 2.40% | 2.38% | 2.79% | 2.64% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | 5.61% | 3.12% | 6.57% | 7.71% | 10.21% | 15.84% | 15.17% | +860 bps | |
| Loan Growth (YoY) | 13.92% | 6.42% | 3.81% | 5.16% | 7.84% | 21.24% | 22.33% | 21.98% | +1,682 bps | |
| Deposit Growth (YoY) | -0.32% | 4.84% | 2.20% | 5.57% | 7.12% | 8.31% | 17.04% | 16.42% | +1,085 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.11% | 0.09% | 0.11% | 2.02% | 1.81% | 1.79% | 1.70% | +159 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.40% | 1.42% | 1.35% | 1.32% | 1.26% | 1.26% | 1.22% | -13 bps | |
| Allowance Coverage of NPLs | 12.7x | 13.1x | 16.0x | 12.5x | 0.7x | 0.7x | 0.7x | 0.7x | -11.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.61% | 11.15% | 11.31% | 11.16% | 10.27% | 10.20% | 9.96% | -135 bps | |
| Total Risk-Based Capital | 13.92% | 14.50% | 14.32% | 14.06% | 13.64% | 11.94% | 11.94% | 11.68% | -238 bps | |
| Equity / Assets | 10.29% | 10.42% | 10.63% | 10.74% | 10.75% | 9.93% | 9.57% | 9.62% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.03% | 86.23% | 86.10% | 88.87% | 89.63% | 96.52% | 90.00% | 93.11% | +424 bps | |
| Liquid Assets / Assets | 7.94% | 10.02% | 9.93% | 8.87% | 8.68% | 3.91% | 7.84% | 5.29% | -357 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 556% | 637% | 640% | n/a | n/a | |
Milford, MI · Cert 57990 · Peer group: banks under $1B in assets (n=570-617) · Huron Valley Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.92%
Rank 349 of 617
Net Interest Margin
3.88%
Rank 198 of 617
Efficiency Ratio
70.17%
Rank 348 of 617
Equity / Assets
9.62%
Rank 392 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.60% | 1.01% | 1.45% | Beats 43% | 349 / 617 | ||
| Return on Equity | 9.60% | 5.30% | 9.43% | 13.30% | Beats 51% | 305 / 617 | ||
| Net Interest Margin | 3.88% | 3.04% | 3.54% | 4.05% | Beats 68% | 198 / 617 | ||
| Efficiency Ratio | 70.17% | 58.03% | 67.76% | 79.08% | Beats 44% | 348 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.70% | 0.09% | 0.47% | 1.27% | Beats 16% | 478 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.56% | 11.18% | 13.83% | 18.55% | Beats 17% | 512 / 617 | ||
| Total Risk-Based Capital Ratio | 11.68% | 11.56% | 14.39% | 19.39% | Beats 25% | 460 / 617 | ||
| Equity / Assets | 9.62% | 9.03% | 10.55% | 13.63% | Beats 36% | 392 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.11% | 64.77% | 79.70% | 93.06% | 75th pctl | 144 / 582 | ||
| Loans / Assets | 83.39% | 51.70% | 67.18% | 77.51% | 89th pctl | 66 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||