HURON VALLEY STATE BANK

MILFORD, MI | Small | Est. Aug. 15, 2005, midnight | FDIC #57990 | RSSD #3358270 | FDIC
Latest Report: 2025-12-31

HURON VALLEY STATE BANK is asn small FDIC-insured commercial bank headquartered in MILFORD, MI, established in Aug. 15, 2005, midnight. As of 2025-12-31, the bank reported total assets of $270M and total deposits of $237M. Profitability stands at 1.12% ROA and 10.85% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 10.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.81% and a Texas Ratio of 13.97%. FDIC Certificate #57990.

Assets

$270M

Deposits

$237M

Loans

$229M

Equity

$27M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 10.85%
Net Interest Margin (NIM) 4.46%
Yield on Assets 6.16%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 1.81%
Net Charge-Off Ratio --
Texas Ratio 13.97%
NPA Ratio 1.54%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 10.81%
Tier 1 Capital 10.81%
Total Capital Ratio 11.94%
Leverage Ratio 10.27%
Loan-to-Deposit 96.52%

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