| Metric | Huron State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.1 pts |
| Deposit growth (YoY) | +7.0% | +2.5% | +4.6 pts |
| Loan growth (YoY) | +12.2% | +2.6% | +9.6 pts |
| ROA | 1.00% | 0.99% | +0.0 pts |
| ROE | 8.4% | 8.1% | +0.3 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.1M | $82.4M | $61.6M | $11.3M | $476K | 1.00% | 3.35% | 1.35% |
| Q1 2026 | $96.5M | $83.8M | $60.7M | $11.4M | $190K | 0.80% | 3.27% | 1.34% |
| Q4 2025 | $94.6M | $82.2M | $60.4M | $11.3M | $966K | 1.06% | 3.55% | 1.38% |
| Q3 2025 | $96.9M | $84.8M | $57.2M | $10.9M | $620K | 0.91% | 3.45% | 1.23% |
| Q2 2025 | $88.9M | $77.0M | $54.9M | $10.6M | $436K | 0.99% | 3.52% | 1.08% |
| Q1 2025 | $88.5M | $76.7M | $53.8M | $10.3M | $274K | 1.24% | 3.43% | 1.02% |
| Q4 2024 | $87.6M | $76.2M | $53.1M | $10.3M | $1.3M | 1.48% | 3.64% | 1.03% |
| Q3 2024 | $92.0M | $80.8M | $52.4M | $10.0M | $782K | 1.20% | 3.63% | 0.83% |
Loan mix (Q2 2026): real estate $51.5M · commercial $2.5M · consumer $8.2M · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Huron State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 8.1% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 70.8% | 35th |
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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Huron State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $82.4M branch deposits. Biggest market: Presque Isle, MI, ranked 2nd with 27.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Presque Isle, MI | 1 | $82.4M | 27.09% | 2nd |
Michigan: 211th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1