FDIC Cert #57990 · Milford, Michigan · Est. 2005

Huron Valley State Bank - FDIC Bank Health Profile

A community-scale look at Huron Valley State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$270M
Total assets
B
Health grade · Good
1.16%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

Huron Valley State Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.81% Tier 1, profitable at 1.16% ROA, 65% efficiency ratio.

#2,647
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
10.81%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57990 · MI B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2891/4307
  • PHOTO-FINISH Two Rivers Bank & Tr… · IA
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 14.0% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: Two Rivers Bank & Trust, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Huron Valley State Bank

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Walker County · AL ·…72/100Community First Bank… · IN ·…72/100Huron Valley State B… · MI ·…72/100Pinnacle Bank · CA · near72/100Two Rivers Bank & Tr… · IA ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Huron Valley State Bank · July 2026

Call Report read for Huron Valley State Bank in a high-failure state

Huron Valley State Bank (FDIC Cert #57990) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,891 of 4,307. Tier 1 capital prints at 10.81%, clearing the 10% well-capitalized line. The Texas Ratio is 13.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $270M, 2,647th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Two Rivers Bank & Trust (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Huron Valley State Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Huron Valley State Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Huron Valley State Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How Huron Valley State Bank's 72/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10072/100
Huron Valley State Bank's composite health score
Tier 1 Capital Ratio (10.81%) 28/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (13.97%) 16/20
Efficiency Ratio (65.49%) 8/15

72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$270M

Total balance-sheet footings

Total Deposits

$237M

Customer-funded liabilities

Net Loans

$226M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.41% 10.81% 12.21%
Basel III capital ratios - Huron Valley State Bank

Where Huron Valley State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Huron Valley State Bank's score of 72/100 falls in the highlighted band.

Huron Valley State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 33rd percentile higher than 33% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Huron Valley State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Huron Valley 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 Valley State Bank's $270M falls in the highlighted band.

Capital & credit buffers at Huron Valley State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.81%
Texas Ratio
13.97%
Equity Capital
$27M

What these ratios mean →

Earnings posture at Huron Valley State Bank

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
11.07%
Efficiency Ratio
65.49%

What these mean →

Income & expense at Huron Valley State Bank

$14M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Huron Valley State Bank reports a Texas Ratio of 13.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Huron Valley State Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($270M here), outside Michigan so the neighborhood is not state containment.

Bank of The Rockies $270M · MT East Wisconsin Savings Bank $271M · WI Merchants and Farmers Bank $271M · AR Bank of the Federated States of Micro… $271M · FM

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Huron Valley State Bank (FDIC Cert #57990) - 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.

Huron Valley State Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
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%