| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +4.4% | +10.8 pts |
| Deposit growth (YoY) | +16.4% | +4.0% | +12.5 pts |
| Loan growth (YoY) | +22.1% | +5.6% | +16.6 pts |
| ROA | 0.95% | 1.24% | -0.3 pts |
| ROE | 9.8% | 11.9% | -2.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $291.9M | $261.4M | $240.5M | $28.1M | $1.3M | 0.95% | 4.23% | 1.42% |
| Q1 2026 | $286.7M | $257.7M | $229.0M | $27.4M | $609K | 0.87% | 4.18% | 1.45% |
| Q4 2025 | $270.4M | $237.0M | $225.9M | $26.9M | $3.0M | 1.16% | 4.30% | 1.54% |
| Q3 2025 | $261.1M | $231.4M | $204.7M | $28.1M | $2.2M | 1.18% | 4.29% | 1.60% |
| Q2 2025 | $253.5M | $224.6M | $196.9M | $27.2M | $1.6M | 1.26% | 4.28% | 0.09% |
| Q1 2025 | $247.5M | $220.2M | $186.9M | $26.3M | $629K | 1.02% | 4.24% | 0.07% |
| Q4 2024 | $245.3M | $218.8M | $186.0M | $25.6M | $2.9M | 1.20% | 4.34% | 0.08% |
| Q3 2024 | $242.4M | $216.0M | $189.8M | $24.9M | $2.0M | 1.10% | 4.32% | 0.08% |
Loan mix (Q2 2026): real estate $211.5M · commercial $30.3M · consumer $923K · securities $15.5M
| Ratio | Huron Valley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
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 Valley 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 Valley 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 Valley 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 Valley State 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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