BlastPoint's Banking Scorecard
Huron Valley State Bank
Milford, MI
3 branches across MI
Huron Valley State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 53.8% in tier
- - Efficiency Ratio 6.83% above tier average
- - Delinquency Rate 0.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.7M
+15.8% YoY
+6.0% QoQ
|
-$99.4M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$229.0M
+22.5% YoY
+1.4% QoQ
|
-$26.7M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$257.7M
+17.0% YoY
+8.8% QoQ
|
-$70.2M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.87%
-14.3% YoY
-24.7% QoQ
|
-0.39% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
4.18%
-1.5% YoY
-2.9% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
72.12%
+6.9% YoY
+10.1% QoQ
|
+6.83% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
1.81%
-1.5% QoQ
|
+0.92% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
88.86%
+4.7% YoY
-6.8% QoQ
|
+12.23% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
33.24%
-13.4% YoY
-9.4% QoQ
|
+11.22% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
Top 12.1% in tier |
| Nonperforming Asset Ratio ? |
1.45%
-5.9% QoQ
|
+0.81% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.1% in tier |
| Tier 1 Capital Ratio ? |
10.78%
-17.5% YoY
-0.3% QoQ
|
-5.05% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.06%
+33.8% YoY
-83.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.