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Huron Valley State Bank
Milford, MI · FDIC Certificate #57990 · Chartered 08/1
Total assets
$291.91M
Total deposits
$261.44M
Total equity
$28.09M
Net loans
$240.47M
Branches (offices)
3
Net income (YTD)
$1.35M
Rank: #2,512 of 4,213 U.S. banks by assets · #50 of 72 in Michigan. Assets changed 15.2% and deposits 16.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 9.82% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 9.62% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 1.70% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.0% |
| Real estate loans (share of loans) | 88.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $211.53M | 88.0% | |
| Commercial & industrial | $30.27M | 12.6% | |
| Consumer / individual | $923.00K | 0.4% | |
| Construction & development | $6.06M | 2.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $243.72M | $224.89M | $709.00K | $18.41M |
| Jun 2023 | $246.69M | $224.70M | $1.17M | $21.18M |
| Jun 2024 | $237.82M | $212.72M | $1.29M | $23.97M |
| Jun 2025 | $253.46M | $224.56M | $1.57M | $27.21M |
| Jun 2026 | $291.91M | $261.44M | $1.35M | $28.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $261.44M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $261.44M.
Similar-sized banks
22Nd State Banking Company ($292.18M) · State Savings Bank ($291.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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