BlastPoint's Banking Scorecard
Huron Valley State Bank
Micro
Specialty: Commercial
MI
FDIC cert 57990
Designations: ✓ Community bank
Milford, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Huron Valley State Bank shows strong momentum with 1 strength and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.28% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.4M
+10.2% YoY
+3.6% QoQ
|
+$52.9M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$225.9M
+21.4% YoY
+10.4% QoQ
|
+$86.7M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$237.0M
+8.3% YoY
+2.4% QoQ
|
+$53.3M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.16%
-3.2% YoY
-1.3% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.30%
-0.8% YoY
+0.4% QoQ
|
+0.45% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
65.49%
+5.5% YoY
+0.3% QoQ
|
-2.24% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
1.84%
-10.1% QoQ
|
+1.20% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
95.31%
+12.1% YoY
+7.8% QoQ
|
+20.78% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.67%
-3.3% YoY
+1.5% QoQ
|
+14.28% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.54%
-4.2% QoQ
|
+1.08% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
10.81%
-18.4% YoY
-13.2% QoQ
|
+1.96% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.40%
+94.4% YoY
+16.7% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.67%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.67% · Tier avg: 22.39%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.31% · Tier avg: 74.53%
80
80th pctile
Total Loans
Current: $225.9M · Tier avg: $139.2M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
68
68th pctile
Total Deposits
Current: $237.0M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $270.4M · Tier avg: $217.5M
56
56th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.08%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 8.85%
52
52th pctile
Efficiency Ratio
Current: 65.49% · Tier avg: 67.73%
15
15th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.45%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.64%
52
52th pctile
Efficiency Ratio
Current: 65.49% · Tier avg: 67.73%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
56
56th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.08%
66
66th pctile
Total Assets
Current: $270.4M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.0M · Tier avg: $183.7M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
80
80th pctile
Total Loans
Current: $225.9M · Tier avg: $139.2M
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.31% · Tier avg: 74.53%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.67% · Tier avg: 22.39%