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 | |