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Huron Community Bank

East Tawas, MI
IDRSSD: 475345
Total Assets
$337.00M
Latest filing
Total Deposits
$303.46M
Latest filing
Net Interest Margin
3.87%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date06/14/1927
Community BankYes
Ownership TypeNot Mutual
ZIP48730
State and County Number26069
Subchapter S CorporationsNo
Trust PowersTrust Powers Not Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees68
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.bankhcb.com
Data Updated11/14/2025
CERT11810
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$337.00M
Total Deposits$303.46M
Total Liabilities$312.45M
Total Equity Capital$24.54M
Net Income$583.00k
Net Loans and Leases$182.24M
Assets Per Employee ($Millions)$4.96M
Bank Premises and Fixed Assets$3.11M
Cash and Balances due from Depository Institutions$44.67M
Deposits Held in Domestic Offices$303.46M

Key Performance Ratios

Return on Assets (ROA)0.7%
Return on Equity (ROE)9.74%
Net Interest Margin3.87%
Efficiency Ratio70.25%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.33%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.282%
Earning Assets to total Assets94.26%

Income and Expense

Total Interest Income$3.88M
Total Noninterest Income$265.00k
Total Interest Expense$863.00k
Total Noninterest Expense$2.33M
Net Interest Income$3.01M
Pre-tax Net Operating Income$676.00k
Provision for Credit Losses$270.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$1.29M
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$6.64M
All Other Liabilities$2.36M
Total Liabilities and Capital$337.00M

Securities

Securities$92.39M
Available-for-sale debt securities$92.39M
Equity securities with readily determinable fair values not held for trading$0
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?
$337.00M as of the latest filing.
How much are Huron Community Bank's total deposits?
$303.46M in total deposits.
Where is Huron Community Bank located?
East Tawas, MI.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
8.
When was it established?
06/14/1927.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$182.24M (latest filing).
What is the total interest income (latest filing)?
$3.88M.