Huron Community Bank: how it compares with its peers
Against 34 MI banks with half to twice its assets, Huron Community Bank's strongest measure in Q2 2026 is net interest margin (4.01% vs. a 4.23% peer median). Its weakest relative measure is return on assets (0.61% vs. 1.25%).
| Measure | Huron Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 1.25% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.23% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.76% | 64.10% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.3M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.73% | 76.47% | Context |
What it means for lending operations
Its efficiency ratio of 78.76% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Alden State Bank Alden, MI · $318M
- The First National Bank of St. Ignace St. Ignace, MI · $336M
- Dearborn Federal Savings Bank Dearborn, MI · $307M
- Huron Valley State Bank Milford, MI · $292M
- Upper Peninsula State Bank Escanaba, MI · $372M
- First National Bank & Trust Co. Iron Mountain, MI · $386M
Questions about Huron Community Bank
How big is Huron Community Bank?
Huron Community Bank, established in 1927, is headquartered in East Tawas, MI. It reported $323M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Huron Community Bank's return on assets?
0.61% annualized in Q2 2026, against a 1.25% median for 34 MI banks with half to twice its assets, ahead of 9% of them.
What is Huron Community Bank's efficiency ratio?
78.76% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Huron Community Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits shrank 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.