BlastPoint's Banking Scorecard
Huron Community Bank
East Tawas, MI
8 branches across MI
Huron Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21.9% in tier
- - Deposit Outflow: Bottom 43.1% in tier
- - ROA 0.68% below tier average
- - Efficiency Ratio 13.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.2M
+3.6% YoY
-1.2% QoQ
|
-$69.8M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$187.5M
+13.1% YoY
-0.1% QoQ
|
-$68.2M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$272.2M
-1.6% YoY
-2.7% QoQ
|
-$55.8M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.59%
+30.4% YoY
-12.0% QoQ
|
-0.68% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
4.02%
+13.4% YoY
+5.5% QoQ
|
+0.09% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
79.08%
-3.4% YoY
+9.3% QoQ
|
+13.80% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.31%
-90.8% YoY
-38.0% QoQ
|
-0.57% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
68.87%
+14.9% YoY
+2.6% QoQ
|
-7.77% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
16.27%
-5.5% YoY
-10.3% QoQ
|
-5.75% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.68%
-63.3% YoY
-3.0% QoQ
|
+0.04% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
9.17%
-32.6% YoY
+2.4% QoQ
|
-6.66% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-1.8% YoY
-75.7% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.