| Metric | Huron Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.0 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 7.7% | 11.9% | -4.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $323.3M | $268.7M | $195.4M | $25.1M | $969K | 0.61% | 4.01% | 1.06% |
| Q1 2026 | $316.2M | $272.2M | $187.5M | $25.0M | $469K | 0.59% | 4.02% | 0.68% |
| Q4 2025 | $320.1M | $279.7M | $187.7M | $25.4M | $2.1M | 0.67% | 3.81% | 0.70% |
| Q3 2025 | $337.0M | $303.5M | $182.2M | $24.5M | $1.4M | 0.57% | 3.69% | 1.66% |
| Q2 2025 | $324.7M | $274.4M | $178.0M | $23.3M | $779K | 0.50% | 3.60% | 0.68% |
| Q1 2025 | $305.1M | $276.6M | $165.8M | $22.9M | $347K | 0.45% | 3.55% | 1.85% |
| Q4 2024 | $308.9M | $281.6M | $158.8M | $22.2M | $1.7M | 0.53% | 3.21% | 1.45% |
| Q3 2024 | $341.2M | $303.2M | $162.2M | $22.9M | $1.2M | 0.50% | 3.11% | 0.67% |
Loan mix (Q2 2026): real estate $153.3M · commercial $21.3M · consumer $13.7M · securities $85.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Huron Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 62.9% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Huron Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Huron Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Huron Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Huron Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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