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Huron Valley State Bank

$100M-$1B Specialty: Commercial MI FDIC cert 57990

Milford, MI

3 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +16.4% year over year ($261.4M on the books).
  • Delinquency rate 1.72%.
  • Return on assets 0.95%.
  • Efficiency ratio 70.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Huron Valley State Bank has 1 strength but faces 3 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

  • + Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 42.4% in tier
  • - Cost Spiral: Bottom 66.7% in tier
  • - Delinquency Rate 0.80% above tier average
Get updates when Huron Valley State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $291.9M
+15.2% YoY +1.8% QoQ
-$94.7M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $240.5M
+22.1% YoY +5.0% QoQ
-$17.9M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $261.4M
+16.4% YoY +1.4% QoQ
-$65.3M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 0.95%
-24.3% YoY +8.9% QoQ
-0.37% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 4.23%
-1.2% YoY +1.2% QoQ
+0.24% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 70.17%
+10.2% YoY -2.7% QoQ
+5.69% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 1.72%
-4.9% QoQ
+0.80% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 91.98%
+4.9% YoY +3.5% QoQ
+14.02% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 33.86%
-13.1% YoY +1.9% QoQ
+11.83% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 11.0% in tier
Nonperforming Asset Ratio ? 1.42%
-1.9% QoQ
+0.75% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
Bottom 12.9% in tier
Tier 1 Capital Ratio ? 10.56%
-17.7% YoY -2.1% QoQ
-5.35% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.13%
-51.4% YoY +107.5% QoQ
-0.43% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 33.9%
-5.1pp YoY
+0.6pp QoQ
 +11.7pp 22.1% 25.9% 22.2% 89%
Brokered Deposits 5.9%
-0.1pp QoQ
 -1.9pp 7.9% 12.3% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 12.6%
+2.1pp YoY
+0.8pp QoQ
 +1.0pp 11.6% 12.8% 12.5% 66%
CRE 78.0%
0.0pp YoY
-0.6pp QoQ
 +38.4pp 39.5% 45.9% 41.4% 96%
1-4 Family 10.0%
-1.9pp YoY
-0.1pp QoQ
 -22.6pp 32.6% 33.6% 31.3% 11%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 4.6% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 10.6%
-2.3pp YoY
-0.2pp QoQ
 -8.3pp 18.8% 26.9% 19.7% 5%
Leverage Ratio 10.0%
-1.4pp YoY
-0.2pp QoQ
 -2.2pp 12.2% 12.3% 12.6% 30%
Total Capital Ratio 11.7%
-2.4pp YoY
-0.3pp QoQ
 -8.3pp 19.9% 27.9% 20.8% 5%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 46
+2 (+4.5%) YoY
+2 (+4.5%) QoQ
 -13 58 134 482 48%
Assets per Employee ($) $6.3M
+10.2% YoY
-2.6% QoQ
 -$1.2M $7.5M $6.8M $8.8M 40%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.7%
+1.6pp YoY
-0.1pp QoQ
 +0.8pp 0.9% 0.8% 1.0% 84%
Allowance Coverage 0.72x
-94.3% YoY
+1.7% QoQ
 -23.44x 24.15x 6.79x 20.23x 18%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 9.8%
-2.1pp YoY
+0.8pp QoQ
 -2.4pp 12.2% 11.7% 11.6% 36%
Cost of Funds (YTD) 1.7%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 1.7% 1.5% 1.7% 52%
Net Income ($, YTD) $1.3M
-13.9% YoY
— QoQ
 -$1.2M $2.6M $7.3M $40.4M 37%

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 (2)

Margin Compression

decline
#131 of 307 • Bottom 42.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.95%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#93 of 138 • Bottom 66.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 70.17%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

291
Non-Interest-Bearing Deposit Share
funding
Value: 33.86%
Peer Median: 22.03%
#291 of 2643 Top 11.0% in $100M-$1B

Top Weaknesses (4 metrics)

2302
Nonperforming Asset Ratio
credit_quality
Value: 1.42%
Peer Median: 0.67%
#2302 of 2643 Bottom 12.9% in $100M-$1B
2212
Delinquency Rate
credit_quality
Value: 1.72%
Peer Median: 0.92%
#2212 of 2633 Bottom 16.0% in $100M-$1B
2178
Tier 1 Capital Ratio
capital
Value: 10.56%
Peer Median: 15.91%
#2178 of 2643 Bottom 17.6% in $100M-$1B
2056
Loan-to-Deposit Ratio
liquidity
Value: 91.98%
Peer Median: 77.95%
#2056 of 2643 Bottom 22.2% in $100M-$1B
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