HURON STATE BANK

ROGERS CITY, MI | Micro | Est. May 12, 1980, midnight | FDIC #23126 | RSSD #753641 | FED
Latest Report: 2025-12-31

HURON STATE BANK is amn micro FDIC-insured commercial bank headquartered in ROGERS CITY, MI, established in May 12, 1980, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $82M. Profitability stands at 1.45% ROA and 12.51% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.13% and a Texas Ratio of 10.85%. FDIC Certificate #23126.

Assets

$95M

Deposits

$82M

Loans

$61M

Equity

$11M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 12.51%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.43%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 2.13%
Net Charge-Off Ratio 0.02%
Texas Ratio 10.85%
NPA Ratio 1.38%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 12.48%
Leverage Ratio 12.24%
Loan-to-Deposit 74.39%

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