Huron State Bank: how it compares with its peers
Against 16 MI banks with half to twice its assets, Huron State Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $4.4M peer median). Its weakest relative measure is net interest margin (3.35% vs. 4.29%).
| Measure | Huron State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 0.94% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 4.29% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.62% | 71.78% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $4.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.79% | 73.28% | Context |
What it means for lending operations
Its efficiency ratio of 64.62% is better than the 71.78% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Mayville State Bank Mayville, MI · $95M
- First State Bank of Michigan Decatur, MI · $88M
- Community Unity Bank Birmingham, MI · $107M
- Blissfield State Bank Blissfield, MI · $115M
- Kalamazoo County State Bank Schoolcraft, MI · $118M
- Homestead Savings Bank Albion, MI · $72M
Questions about Huron State Bank
How big is Huron State Bank?
Huron State Bank, established in 1980, is headquartered in Rogers City, MI. It reported $95M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Huron State Bank's return on assets?
1.00% annualized in Q2 2026, against a 0.94% median for 16 MI banks with half to twice its assets, ahead of 56% of them.
What is Huron State Bank's efficiency ratio?
64.62% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 71.78%, and lower is better.
Is Huron State Bank growing its loans?
Net loans grew 12.2% over the year to Q2 2026, while deposits grew 7.0%.
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.