Huron Valley State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.11 percentage points in Q2 2026, from 90.00% to 93.11%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Huron Valley State Bank is 47th of 72 on return on assets, 1.02% as of Q2 2026. Huron Valley State Bank reported 1.02% on return on assets for Q2 2026, 0.24 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.56% |
| Tier 1 risk-based capital ratio | 10.56% |
| Total risk-based capital ratio | 11.68% |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 9.62% |
| Tangible equity to tangible assets | 9.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.70% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.33% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 71.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 10.65% |
| Net interest margin | 4.18% |
| Efficiency ratio | 68.27% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.11% |
| Core deposits to total deposits | 80.31% |
| Brokered deposits to total deposits | 5.91% |
| Deposits to assets | 89.56% |
| Securities to assets | 5.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.77% | 13.77% | 15.02% | 9.68% | 1.20% |
| Q4 2023 | 13.72% | 13.72% | 14.97% | 10.11% | 1.21% |
| Q1 2024 | 12.75% | 12.75% | 14.00% | 10.36% | 1.04% |
| Q2 2024 | 12.39% | 12.39% | 13.62% | 10.50% | 1.13% |
| Q3 2024 | 12.67% | 12.67% | 13.92% | 10.63% | 1.11% |
| Q4 2024 | 13.25% | 13.25% | 14.50% | 10.61% | 1.45% |
| Q1 2025 | 13.07% | 13.07% | 14.32% | 11.15% | 1.03% |
| Q2 2025 | 12.83% | 12.83% | 14.06% | 11.31% | 1.50% |
| Q3 2025 | 12.45% | 12.45% | 13.64% | 11.16% | 1.02% |
| Q4 2025 | 10.81% | 10.81% | 11.94% | 10.27% | 1.11% |
| Q1 2026 | 10.78% | 10.78% | 11.94% | 10.20% | 0.88% |
| Q2 2026 | 10.56% | 10.56% | 11.68% | 9.96% | 1.02% |
Huron Valley State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Huron Valley State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Huron Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57990) · FFIEC NIC profile (RSSD 3358270)