Huron Valley State Bank: how it compares with its peers
Against 31 MI banks with half to twice its assets, Huron Valley State Bank's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $6.0M peer median). Its weakest relative measure is efficiency ratio (70.17% vs. 64.58%).
| Measure | Huron Valley State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.23% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.22% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.17% | 64.58% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.98% | 76.41% | Context |
What it means for lending operations
Its efficiency ratio of 70.17% is above the 64.58% 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
- Dearborn Federal Savings Bank Dearborn, MI · $307M
- Alden State Bank Alden, MI · $318M
- Huron Community Bank East Tawas, MI · $323M
- Charlevoix State Bank Charlevoix, MI · $248M
- The First National Bank of St. Ignace St. Ignace, MI · $336M
- Mi Bank Bloomfield Township, MI · $245M
Questions about Huron Valley State Bank
How big is Huron Valley State Bank?
Huron Valley State Bank, established in 2005, is headquartered in Milford, MI. It reported $292M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Huron Valley State Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.23% median for 31 MI banks with half to twice its assets, ahead of 48% of them.
What is Huron Valley State Bank's efficiency ratio?
70.17% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is Huron Valley State Bank growing its loans?
Net loans grew 22.1% over the year to Q2 2026, while deposits grew 16.4%.
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.