Huron State Bank
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Data as of · sourced from FFIEC call reports. How we update
Huron State Bank is an FDIC-insured commercial bank headquartered in Rogers City, MI, established in 1980 (FDIC certificate 23126), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $95.1M, up 7.0% from Q2 2025, the 66th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23126
- Headquarters
- Rogers City, MI
- Established
- 1980
- Total assets, Q2 2026
- $95.1M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 12.44%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 072413285
- Latest call report
- Q2 2026, FFIEC 051 · Huron State Bank call report
- Holding company
- HURON NATIONAL BANCORP, INC.
- Asset rank in state
- 66th of 72 in Michigan
Problem loans are rising at Huron State Bank. Its balance sheet stood at $95 million at June 30, 2026, up 7.0% from a year earlier; it is based in Rogers City, Michigan. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.05% of loans from 1.73% a year earlier. It carries problem assets equal to 10.6% of the capital and reserves that would absorb them, 7.7 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also grew its loan book 12.0% over the year, 4.7 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $286,000, 77% above the same quarter a year earlier. Over the same year, loans grew 12.0% and deposits grew 7.0%. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Huron State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 2.05% and a Texas ratio of 10.56%. The figures come from its call report filed with the FFIEC.
Huron State Bank ranks as the 66th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $95.1M, loans rose 1.6% and deposits fell 1.7%. 1-4 family residential loans made up 66.9% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 10.3%. The FDIC Summary of Deposits lists a single office for it, in Rogers City, MI. On its Q2 2026 call report, Huron State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Erie St, Rogers City, MI 49779
- County
- Presque Isle
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 12, 1980
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $82.4M
- Allowance for credit losses
- $807K
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $95.4M
- Average total loans
- $61.5M
- Average interest-bearing deposits
- $67.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 12, 1980
- FDIC Cert
- 23126
- Fed RSSD
- 753641
- SEC CIK
- 861617 → filed by HURON NATIONAL BANCORP, INC.
- Website
- http://www.huronstatebank.com →
- Parent Holding Company
- HURON NATIONAL BANCORP, INC. (RSSD 1491771)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Huron State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Huron State Bank's total assets ran between $83.2M (Q2 2024) and $96.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$95.1M total assets against $88.9M; $83.8M total liabilities against $78.3M.
$61.6M net loans and leases against $54.9M; $82.4M total deposits against $77.0M.
$10.2M securities against $12.7M; $16.7M cash and balances due against $16.4M.
$1.1M total interest income against $1.1M; $374K total interest expense against $301K.
$758K net interest income against $751K.
$137K total noninterest income against $38K; $523K total noninterest expense against $540K.
$0 provision for credit losses against $0.
$286K net income against $162K.
1.20% return on assets against 0.72%; 3.33% net interest margin against 3.53%.
12.44% tier 1 leverage ratio against 12.78%.
Inside the full Huron State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q2 2025) to 2.24% (Q4 2024) and its net interest margin ran from 3.14% (Q1 2026) to 3.58% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.44% | 1.20% | 2.05% | 10.56% | 3.33% |
| Q1 2026 | 12.41% | 0.79% | 2.10% | 10.60% | 3.14% |
| Q4 2025 | 12.24% | 1.44% | 2.13% | 10.85% | 3.58% |
| Q3 2025 | 12.67% | 0.80% | 2.06% | 10.19% | 3.38% |
| Q2 2025 | 12.78% | 0.72% | 1.73% | 8.44% | 3.53% |
| Q1 2025 | 12.49% | 1.23% | 1.65% | 8.14% | 3.36% |
| Q4 2024 | 12.93% | 2.24% | 1.68% | 8.13% | 3.57% |
| Q3 2024 | 12.51% | 1.02% | 1.43% | 7.07% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Huron State Bank (main office) | Rogers City , MI | 49779 | $82.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- June 29, 2017, OCC: Formal Agreement: Huron National Bank
- Period: Most recent institution action June 29, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MI, rank 88 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $418K approved, $418K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Huron State Bank
What are Huron State Bank's total assets?
As of the Q2 2026 filing, Huron State Bank reported total assets of $95.1 million in its FFIEC call report.
Where is Huron State Bank headquartered?
It is headquartered in Rogers City, MI, United States.
When was Huron State Bank founded?
It was established in 1980, per the FDIC institution directory.
Is Huron State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Huron State Bank?
Huron State Bank's primary federal regulator is the Federal Reserve.
How many branches does Huron State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Huron State Bank's Texas Ratio?
Its Texas Ratio is 10.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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