Huron Valley State Bank
Milford, MI · Cert 57990 · Peer group: banks under $1B in assets (n=573-620) · 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 162 of 573).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets (rank 480 of 573).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 346 of 620
Net Interest Margin
3.88%
Rank 190 of 620
Efficiency Ratio
70.17%
Rank 348 of 620
Equity / Assets
9.62%
Rank 394 of 620
Non-interest income vs. expense
Unfavorable gap of $7.7M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.60% | 1.00% | 1.45% | Beats 44% | 346 / 620 | |
| Return on Equity | 9.60% | 5.30% | 9.30% | 13.29% | Beats 52% | 300 / 620 | |
| Net Interest Margin | 3.88% | 3.02% | 3.53% | 4.04% | Beats 69% | 190 / 620 | |
| Efficiency Ratio | 70.17% | 58.35% | 68.08% | 79.37% | Beats 44% | 348 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.09% | 0.47% | 1.27% | Beats 16% | 480 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 11.27% | 13.87% | 18.78% | Beats 17% | 516 / 620 | |
| Total Risk-Based Capital Ratio | 11.68% | 11.69% | 14.57% | 19.67% | Beats 25% | 466 / 620 | |
| Equity / Assets | 9.62% | 9.03% | 10.60% | 13.73% | Beats 36% | 394 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 93.11% | 65.08% | 79.69% | 92.47% | 76th pctl | 140 / 585 | |
| Loans / Assets | 83.39% | 51.85% | 67.17% | 77.86% | 90th pctl | 64 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |