Total Assets
$320M
Total balance-sheet footings
FDIC Cert #11810 · East Tawas, Michigan · Est. 1927
Huron Community Bank - FDIC Bank Health Profile
A community-scale look at Huron Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $320M
- Total assets
- C
- Health grade · Fair
- 0.67%
- Return on assets
- 9.0%
- Tier 1 capital
Data updated July 2026
The verdict
Huron Community Bank earns a PlainBankData health grade of C (56/100), with 8.95% Tier 1 capital, 0.67% ROA, 72% efficiency ratio.
- #2,400
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 8.95%
- Tier 1 ratio - below the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Huron Community Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Huron Community Bank's composite health score
Tier 1 Capital Ratio (8.95%) 18/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (3.31%) 20/20
Efficiency Ratio (72.38%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$280M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Huron Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Huron Community Bank's score of 56/100 falls in the highlighted band.
Huron Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Huron Community Bank's $320M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.95% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.95%
Texas Ratio
3.31%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
9.04%
Efficiency Ratio
72.38%
What the numbers say about Huron Community Bank
Huron Community Bank is an FDIC-insured institution (Certificate #11810) headquartered in East Tawas, Michigan, established in 1927. It holds $320M in total assets - 2,400th of 4,313 FDIC-insured banks, $280M in customer deposits, and $188M in net loans. On safety, its Tier 1 capital ratio of 8.95% is below the 10% well-capitalized threshold, and its Texas Ratio of 3.31% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Michigan, Huron Community Bank ranks 47th of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$959K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Huron Community Bank reports a Texas Ratio of 3.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Huron Community Bank (FDIC Cert #11810) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Huron Community Bank's health grade?▼
Huron Community Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Huron Community Bank?▼
Huron Community Bank holds $320M in total assets and $280M in deposits, ranking 2,400th of 4,313 FDIC-insured banks by asset size. It is headquartered in East Tawas, Michigan.
Is my money safe at Huron Community Bank?▼
Yes, deposits at Huron Community Bank (Certificate #11810) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Huron Community Bank's Tier 1 Capital Ratio?▼
Huron Community Bank has a Tier 1 Capital Ratio of 8.95%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Huron Community Bank?▼
Huron Community Bank has a Texas Ratio of 3.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Huron Community Bank?▼
Huron Community Bank has an Efficiency Ratio of 72.38%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Huron Community Bank's profile as a depositor or analyst.
- Huron Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Huron Community Bank against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.