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
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% | 1.01% | 1.45% | Beats 43% | 359 / 629 | |
| Return on Equity | 9.60% | 5.38% | 9.30% | 13.28% | Beats 51% | 309 / 629 | |
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 200 / 629 | |
| Efficiency Ratio | 70.17% | 58.35% | 67.79% | 79.08% | Beats 44% | 356 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.09% | 0.46% | 1.20% | Beats 15% | 492 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 11.24% | 13.84% | 18.77% | Beats 17% | 525 / 629 | |
| Total Risk-Based Capital Ratio | 11.68% | 11.58% | 14.43% | 19.66% | Beats 25% | 470 / 629 | |
| Equity / Assets | 9.62% | 9.09% | 10.65% | 13.80% | Beats 35% | 411 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 93.11% | 67.24% | 80.90% | 93.48% | 75th pctl | 151 / 594 | |
| Loans / Assets | 83.39% | 53.31% | 67.71% | 78.15% | 89th pctl | 71 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |