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Huron Community Bank
East Tawas, MI · FDIC Certificate #11810 · Chartered 06/1
Total assets
$323.31M
Total deposits
$268.70M
Total equity
$25.07M
Net loans
$195.42M
Branches (offices)
8
Net income (YTD)
$969.00K
Rank: #2,364 of 4,213 U.S. banks by assets · #47 of 72 in Michigan. Assets changed -0.4% and deposits -2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 7.71% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 7.75% |
| Tier 1 leverage ratio | 9.12% |
| Uninsured deposits (share of deposits) | 24.2% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 72.7% |
| Real estate loans (share of loans) | 78.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.30M | 78.4% | |
| Commercial & industrial | $21.34M | 10.9% | |
| Consumer / individual | $13.70M | 7.0% | |
| Construction & development | $5.28M | 2.7% | |
| Agricultural | $10.57M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $307.27M | $271.52M | $763.00K | $19.63M |
| Jun 2023 | $310.82M | $273.05M | $636.00K | $19.93M |
| Jun 2024 | $324.85M | $273.66M | $772.00K | $20.41M |
| Jun 2025 | $324.71M | $274.42M | $779.00K | $23.34M |
| Jun 2026 | $323.31M | $268.70M | $969.00K | $25.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $268.70M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.70M.
Similar-sized banks
The Peoples Bank ($323.80M) · City Bank & Trust Co. ($323.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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