Huron State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Huron State Bank of Rogers City, MI against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 0.85% | +0.35% | 57th above |
| ROAE | 10.07% | 5.23% | +4.84% | 58th above |
| Net Interest Margin | 3.33% | 3.94% | -0.61% | 25th below |
| Efficiency Ratio | 58.18% | 76.13% | -17.95% | 73rd above |
| PPNR / Avg Assets | 1.56% | — | — | 62nd above |
| Yield on Earning Assets | 4.96% | 5.42% | -0.46% | 39th below |
| Cost of Funds | 1.80% | 1.69% | +0.11% | 37th below |
| Net Interest Spread | 2.76% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.05% | 1.23% | +0.82% | 20th bottom |
| NPA / Total Assets | 1.35% | — | — | 17th bottom |
| NCO / Avg Loans | -0.24% | 0.11% | -0.35% | 95th top |
| ACL / Total Loans | 1.29% | — | — | 55th above |
| ACL / NPLs (Coverage) | 63.00% | — | — | 30th below |
| Texas Ratio | 10.56% | 7.23% | +3.33% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.44% | 14.13% | -1.69% | 43rd below |
| Equity / Assets | 11.91% | 13.07% | -1.16% | 45th below |
| TCE / Tangible Assets | 11.91% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.77% | 68.58% | +7.19% | 38th below |
| Core Deposit Ratio | 88.71% | 88.79% | -0.08% | 35th below |
| Wholesale Funding Ratio | 1.00% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | — | — | 71st above |
| Loan Growth (Y/Y) | 12.02% | — | — | 80th top |
| Deposit Growth (Y/Y) | 7.05% | — | — | 72nd above |
See Huron State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Huron State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Huron State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Huron State Bank peer analysis.