Huron Valley State Bank
BankRegReports is independent of Huron Valley State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Huron Valley State Bank is an FDIC-insured commercial bank headquartered in Milford, MI, established in 2005 (FDIC certificate 57990), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $291.9M, up 15.2% from Q2 2025, the 50th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 10.56% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57990
- Headquarters
- Milford, MI
- Established
- 2005
- Total assets, Q2 2026
- $291.9M
- Assets vs Q2 2025
- +15.2%
- CET1 ratio, Q2 2026
- 10.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 072414190
- Holding company
- HURON VALLEY BANCORP, INC.
- Asset rank in state
- 50th of 72 in Michigan
Problem loans are rising at Huron Valley State Bank. It reported $292 million in assets at June 30, 2026, up 15.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.70% of loans from 0.11% a year earlier. It holds common equity equal to 10.56% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 3.0 times its capital, 2.6 times the median of 1.2 times for banks its size.
Net income for the quarter slipped 21% from a year earlier, to $739,000. Over the same year, loans grew 22.0% and deposits grew 16.4%. Credit is the area to watch: it carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Huron Valley State Bank reported a CET1 capital ratio of 10.56%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.70% and a Texas ratio of 13.33%. The figures come from its call report filed with the FFIEC.
Huron Valley State Bank ranks as the 50th largest of the 72 banks based in Michigan, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $291.9M, loans rose 4.9% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 37.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.4%. The FDIC Summary of Deposits lists 3 offices for it, in Milford, MI and Highland, MI; its Milford 2 offices book 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Huron Valley State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 130 S Milford Rd, Milford, MI 48381
- County
- Oakland
- Metro Area
- Detroit-Warren-Dearborn, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 15, 2005
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $261.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $289.7M
- Average total loans
- $237.9M
- Average interest-bearing deposits
- $173.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 15, 2005
- FDIC Cert
- 57990
- Fed RSSD
- 3358270
- Website
- www.hvsb.com →
- Parent Holding Company
- HURON VALLEY BANCORP, INC. (RSSD 4859596)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Huron Valley State Bank's total assets moved between a low of $232.3M (Q4 2023) and a high of $291.9M (Q2 2026) from Q3 2023 to Q2 2026, 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
$291.9M total assets against $253.5M; $263.8M total liabilities against $226.2M.
$240.5M net loans and leases against $196.9M; $261.4M total deposits against $224.6M.
$15.5M securities against $15.7M; $21.7M cash and balances due against $27.5M.
$4.1M total interest income against $3.5M; $1.2M total interest expense against $933K.
$2.9M net interest income against $2.5M.
$207K total noninterest income against $582K; $2.1M total noninterest expense against $1.9M.
$45K provision for credit losses against $45K.
$739K net income against $937K.
1.02% return on assets against 1.50%; 4.18% net interest margin against 4.28%.
10.56% CET1 capital ratio against 12.83%; 9.96% tier 1 leverage ratio against 11.31%.
Inside the full Huron Valley State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Huron Valley State Bank rankings
Its closest position to the top of a national ranking is 392 of 3,640, for Texas Ratio; its furthest is 2,038 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q1 2026) to 1.50% (Q2 2025) and its net interest margin ran from 4.17% (Q1 2025) to 4.31% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.56% | 1.02% | 1.70% | 13.33% | 4.18% |
| Q1 2026 | 10.78% | 0.88% | 1.79% | 13.66% | 4.17% |
| Q4 2025 | 10.81% | 1.11% | 1.81% | 13.97% | 4.26% |
| Q3 2025 | 12.45% | 1.02% | 2.02% | 13.57% | 4.23% |
| Q2 2025 | 12.83% | 1.50% | 0.11% | 0.72% | 4.28% |
| Q1 2025 | 13.07% | 1.03% | 0.09% | 0.58% | 4.17% |
| Q4 2024 | 13.25% | 1.45% | 0.11% | 0.71% | 4.19% |
| Q3 2024 | 12.67% | 1.11% | 0.11% | 0.74% | 4.31% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 Valley State Bank (main office) | Milford , MI | 48381 | $159.8M |
| Duck Lake Branch | Highland , MI | 48356 | $101.7M |
| Financial Center | Milford , MI | 48381 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 66 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.0M approved, $256K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows Huron Valley State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Huron Valley State Bank with peers
Frequently asked about Huron Valley State Bank
What are Huron Valley State Bank's total assets?
As of the Q2 2026 filing, Huron Valley State Bank reported total assets of $291.9 million in its FFIEC call report.
Where is Huron Valley State Bank headquartered?
It is headquartered in Milford, MI, United States.
When was Huron Valley State Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Huron Valley State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57990). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Huron Valley State Bank?
Huron Valley State Bank's primary federal regulator is the FDIC.
What is Huron Valley State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does Huron Valley State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Huron Valley State Bank's Texas Ratio?
Its Texas Ratio is 13.33% 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.
Go deeper on Huron Valley State Bank.
Get an email when Huron Valley State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Huron Valley State Bank, freeFree account