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Huron State Bank

under $100M Specialty: Consumer MI FDIC cert 23126

Designations: ✓ Community bank

Rogers City, MI

541 banks in the under $100M peer group nationally 8 in MI
View under $100M leaderboard (MI) →

Huron State Bank has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 16.81% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.59% below tier average
  • - Delinquency Rate 0.75% above tier average
Get updates when Huron State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $96.5M
+9.0% YoY +1.9% QoQ
+$34.3M $62.2M
-0.6% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
Top 4.6% in tier
Total Loans ? $60.7M
+12.8% YoY +0.6% QoQ
+$26.5M $34.2M
-1.4% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
Top 11.1% in tier
Total Deposits ? $83.8M
+9.3% YoY +2.0% QoQ
+$32.1M $51.7M
-0.7% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
Top 3.7% in tier
Return on Assets ? 0.80%
-36.1% YoY -24.8% QoQ
-0.04% 0.84%
-2.3% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
43%
Net Interest Margin ? 3.27%
-4.8% YoY -7.9% QoQ
-0.59% 3.86%
+2.8% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
23%
Efficiency Ratio ? 71.54%
-2.2% YoY +8.8% QoQ
-16.81% 88.34%
+0.3% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 2.12%
+26.5% YoY -1.7% QoQ
+0.75% 1.37%
+33.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
21%
Loan-to-Deposit Ratio ? 72.42%
+3.2% YoY -1.4% QoQ
+8.21% 64.22%
-0.7% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
40%
Non-Interest-Bearing Deposit Share ? 18.52%
-10.8% YoY -4.7% QoQ
-5.20% 23.71%
+0.3% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
35%
Nonperforming Asset Ratio ? 1.34%
+31.0% YoY -3.0% QoQ
+0.55% 0.79%
+28.2% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
19%
Tier 1 Capital Ratio ? 12.41%
-0.6% YoY +1.4% QoQ
-14.27% 26.68%
+2.0% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.08%
+57.0% YoY -60.2% QoQ
-0.59% 0.67%
+1.9% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
61%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

21
Total Deposits
size
Value: $83.83M
Peer Median: $51.74M
#21 of 541 Top 3.7% in under $100M
26
Total Assets
size
Value: $96.45M
Peer Median: $62.16M
#26 of 541 Top 4.6% in under $100M
61
Total Loans
size
Value: $60.71M
Peer Median: $34.25M
#61 of 541 Top 11.1% in under $100M

Top Weaknesses (3 metrics)

440
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.79%
#440 of 541 Bottom 18.9% in under $100M
414
Delinquency Rate
credit_quality
Value: 2.12%
Peer Median: 1.37%
#414 of 521 Bottom 20.7% in under $100M
417
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.86%
#417 of 541 Bottom 23.1% in under $100M
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