Total Assets
$95M
Total balance-sheet footings
FDIC Cert #23126 · Rogers City, Michigan · Est. 1980
Huron State Bank - FDIC Bank Health Profile
A community-scale look at Huron State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $95M
- Total assets
- B
- Health grade · Good
- 1.06%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Huron State Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.24% Tier 1, profitable at 1.06% ROA, 66% efficiency ratio.
- #3,782
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 12.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- 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 State Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Huron State Bank's composite health score
Tier 1 Capital Ratio (12.24%) 35/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (10.84%) 16/20
Efficiency Ratio (65.77%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$82M
Customer-funded liabilities
Net Loans
$60M
Outstanding loan book
Net Income
$966K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Huron State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Huron State Bank's score of 79/100 falls in the highlighted band.
Huron State 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 State Bank's $95M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.24%
Texas Ratio
10.84%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
9.06%
Efficiency Ratio
65.77%
What the numbers say about Huron State Bank
Huron State Bank is an FDIC-insured institution (Certificate #23126) headquartered in Rogers City, Michigan, established in 1980. It holds $95M in total assets - 3,782nd of 4,313 FDIC-insured banks, $82M in customer deposits, and $60M in net loans. Capital-wise, the Tier 1 ratio sits at 12.24%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.84%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Huron State Bank is a community-scale institution -- 68th of 73 FDIC-insured banks headquartered in Michigan by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$190K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Huron State Bank reports a Texas Ratio of 10.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.84% - 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 State Bank (FDIC Cert #23126) - 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 State Bank's health grade?▼
Huron State Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Huron State Bank?▼
Huron State Bank holds $95M in total assets and $82M in deposits, ranking 3,782nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Rogers City, Michigan.
Is my money safe at Huron State Bank?▼
Yes, deposits at Huron State Bank (Certificate #23126) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Huron State Bank's Tier 1 Capital Ratio?▼
Huron State Bank has a Tier 1 Capital Ratio of 12.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Huron State Bank?▼
Huron State Bank has a Texas Ratio of 10.84%. Staying under 50% is the level analysts treat as 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 State Bank?▼
Huron State Bank has an Efficiency Ratio of 65.77%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Huron State Bank's profile as a depositor or analyst.
- Huron State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Huron State 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.