BanksHURON STATE BANK

HURON STATE BANK

ROGERS CITY, MIMicroEst. May 12, 1980, midnightFDIC #23126RSSD #753641FED
Latest · 2025-12-31

HURON STATE BANK is an 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%. CET1 capital ratio: 11.89%, well above regulatory minimums. NPL ratio: 2.13% · Texas Ratio: 10.85%. Operates 1 domestic branch.

Assets
$95M
Deposits
$82M
Loans
$61M
Equity
$11M

Profitability

Return on Assets (ROA)1.45%
Return on Equity (ROE)12.51%
Net Interest Margin3.78%
Yield on Assets5.43%
Cost of Funds1.72%

Asset Quality

NPL Ratio2.13%
Net Charge-Off Ratio0.02%
Texas Ratio10.85%
NPA Ratio1.38%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio11.89%
Tier 1 Capital11.89%
Total Capital Ratio12.48%
Leverage Ratio12.24%
Loan-to-Deposit74.39%

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