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Huron State Bank
Rogers City, MI · FDIC Certificate #23126 · Chartered 05/1
Total assets
$95.10M
Total deposits
$82.41M
Total equity
$11.32M
Net loans
$61.64M
Branches (offices)
1
Net income (YTD)
$476.00K
Rank: #3,710 of 4,213 U.S. banks by assets · #66 of 72 in Michigan. Assets changed 7.0% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 8.41% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 11.91% |
| Tier 1 leverage ratio | 12.44% |
| Uninsured deposits (share of deposits) | 12.9% |
| Noncurrent loans (share of loans) | 2.05% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 83.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $51.46M | 83.5% | |
| Commercial & industrial | $2.53M | 4.1% | |
| Consumer / individual | $8.23M | 13.4% | |
| Construction & development | $3.80M | 6.2% | |
| Agricultural | $279.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $76.84M | $67.70M | $386.00K | $9.03M |
| Jun 2023 | $81.67M | $72.03M | $481.00K | $9.48M |
| Jun 2024 | $83.15M | $72.58M | $557.00K | $9.88M |
| Jun 2025 | $88.86M | $76.99M | $436.00K | $10.59M |
| Jun 2026 | $95.10M | $82.41M | $476.00K | $11.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $82.41M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $82.41M.
Similar-sized banks
Lawrenceburg Federal Bank ($95.22M) · Armstrong County Building And Loan Association ($95.07M)
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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