Huron Valley State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Huron Valley State Bank of Milford, MI against its peer group of 2757 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 | 1.02% | 1.25% | -0.23% | 33rd below |
| ROAE | 10.65% | 12.22% | -1.57% | 39th below |
| Net Interest Margin | 4.18% | 3.95% | +0.23% | 63rd above |
| Efficiency Ratio | 68.27% | 63.71% | +4.56% | 31st below |
| PPNR / Avg Assets | 1.35% | — | — | 36th below |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.87% | -0.01% | 46th below |
| Net Interest Spread | 3.12% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.70% | 0.88% | +0.82% | 16th bottom |
| NPA / Total Assets | 1.42% | — | — | 13th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.22% | — | — | 53rd above |
| ACL / NPLs (Coverage) | 71.59% | — | — | 18th bottom |
| Texas Ratio | 13.33% | 5.96% | +7.37% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.56% | 17.18% | -6.62% | 5th bottom |
| Tier 1 Ratio | 10.56% | 17.21% | -6.65% | 5th bottom |
| Total Capital Ratio | 11.68% | — | — | 5th bottom |
| Leverage Ratio | 9.96% | 11.75% | -1.79% | 30th below |
| Equity / Assets | 9.62% | 10.98% | -1.36% | 37th below |
| TCE / Tangible Assets | 9.62% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.11% | 80.44% | +12.67% | 22nd bottom |
| Core Deposit Ratio | 80.31% | 86.95% | -6.64% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.17% | — | — | 91st top |
| Loan Growth (Y/Y) | 21.98% | — | — | 94th top |
| Deposit Growth (Y/Y) | 16.42% | — | — | 92nd top |
See Huron Valley State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Huron Valley 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 Valley 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 Valley State Bank peer analysis.