Bank Comparison
Huron Community Bank vs United National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| CET1 Ratio | — | 22.43% |
| Tier 1 Capital Ratio | — | 22.43% |
| Total Capital Ratio | — | 23.70% |
| Tier 1 Leverage Ratio | 9.17% | 14.95% |
| Equity / Assets | 7.91% | 14.84% |
Profitability
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 0.91% |
| Return on Equity (ROE) | 7.45% | 6.17% |
| Net Interest Margin (NIM) | 3.93% | 4.31% |
| Yield on Earning Assets | 5.07% | 6.38% |
| Cost of Funds | 1.22% | 2.40% |
Asset quality
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| Texas Ratio | 8.07% | 19.18% |
| Non-Performing Loan Ratio | 0.38% | 3.42% |
| Non-Performing Asset Ratio | 0.72% | 3.16% |
| Net Charge-Off Ratio | -0.02% | 0.03% |
| ACL / Loans | 1.78% | 2.21% |
Balance sheet
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| Total Assets | $316,245K | $316,638K |
| Total Deposits | $272,201K | $262,311K |
| Total Loans | $190,864K | $233,394K |
| Total Equity | $25,016K | $46,979K |
| Net Income (quarter) | $469 | $721 |
Liquidity & funding
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.12% | 88.98% |
| Core Deposit Ratio | 93.73% | 85.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Huron Community Bank | United National Bank |
|---|---|---|
| Headquarters City | EAST TAWAS | CAIRO |
| Headquarters State | MI | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 23981 |
| Regulator | FED | OCC |
| Domestic Branches | 8 | 1 |
| Employees (FTE) | 68 | 39 |
| Established | June 14, 1927, midnight | May 26, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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