Huron Community Bank
East Tawas, MI
IDRSSD: 475345
Total Assets
$320.12M
Latest filing
Total Deposits
$279.69M
Latest filing
Net Interest Margin
4.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072403994EAST TAWAS, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Huron Community Bank
301 Newman St
East Tawas, MI 48730
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/14/1927FDIC Certificate 7554
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Huron Community Bank (Main) | 301 Newman St | East Tawas, MI |
| TAWAS CITY BRANCH | 410 W Lake St | Tawas City, MI |
| OSCODA BRANCH | 5077 North Huron Road | Oscoda Township, MI |
| LINCOLN BRANCH | 327 W Traverse Bay Rd | Lincoln, MI |
| AU GRES BRANCH | 3150 East Huron Road, Sims Township | Au Gres, MI |
| HARRISVILLE BRANCH | 423 E Main St | Harrisville, MI |
| WEST BRANCH | 2210 S M 76 | West Branch, MI |
| ROSE CITY BRANCH | 508 South Bennett Street | Rose City, MI |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/14/1927 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48730 |
| State and County Number | 26069 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankhcb.com |
| Data Updated | 01/30/2026 |
| CERT | 11810 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $320.12M |
| Total Deposits | $279.69M |
| Total Liabilities | $294.76M |
| Total Equity Capital | $25.36M |
| Net Income | $777.00k |
| Net Loans and Leases | $187.69M |
| Assets Per Employee ($Millions) | $4.78M |
| Bank Premises and Fixed Assets | $3.01M |
| Cash and Balances due from Depository Institutions | $21.00M |
| Deposits Held in Domestic Offices | $279.69M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 12.46% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 62.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.922% |
| Earning Assets to total Assets | 93.9% |
Income and Expense
| Total Interest Income | $3.97M |
| Total Noninterest Income | $227.00k |
| Total Interest Expense | $839.00k |
| Total Noninterest Expense | $2.14M |
| Net Interest Income | $3.13M |
| Pre-tax Net Operating Income | $922.00k |
| Provision for Credit Losses | $296.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.29M |
| Other borrowed funds | $7.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $6.65M |
| All Other Liabilities | $1.42M |
| Total Liabilities and Capital | $320.12M |
Securities
| Securities | $93.49M |
| Available-for-sale debt securities | $93.49M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Huron Community Bank?
$320.12M as of the latest filing.
How much are Huron Community Bank's total deposits?
$279.69M in total deposits.
Where is Huron Community Bank located?
East Tawas, MI.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
8.
When was it established?
06/14/1927.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$187.69M (latest filing).
What is the total interest income (latest filing)?
$3.97M.