HURON COMMUNITY BANK

EAST TAWAS, MI | Small | Est. June 14, 1927, midnight | FDIC #11810 | RSSD #475345 | FED
Latest Report: 2025-12-31

HURON COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in EAST TAWAS, MI, established in June 14, 1927, midnight. As of 2025-12-31, the bank reported total assets of $320M and total deposits of $280M. Profitability stands at 0.95% ROA and 12.46% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 7.89%. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 6.56%. FDIC Certificate #11810.

Assets

$320M

Deposits

$280M

Loans

$191M

Equity

$25M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 12.46%
Net Interest Margin (NIM) 4.15%
Yield on Assets 5.26%
Cost of Funds 1.12%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.09%
Texas Ratio 6.56%
NPA Ratio 0.59%
ACL / Loans 1.71%

Capital & Liquidity

CET1 Ratio 7.89%
Tier 1 Capital 7.89%
Total Capital Ratio 8.28%
Leverage Ratio 8.95%
Loan-to-Deposit 68.28%

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