Huron Valley State Bank
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
$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 160 of 570).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets (rank 478 of 570).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
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 | 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 |