Huron Valley State Bank
Milford, MI
IDRSSD: 3358270
Total Assets
$261.05M
Latest filing
Total Deposits
$231.41M
Latest filing
Net Interest Margin
4.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Huron Valley State Bank
130 S Milford Rd
Milford, MI 48381
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/15/2005FDIC Certificate 433198
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Huron Valley State Bank (Main) | 130 S Milford Rd | Milford, MI |
| DUCK LAKE BRANCH | 2920 E Highland Rd | Highland, MI |
| FINANCIAL CENTER | 1150 Corporate Office Dr | Milford, MI |
Showing 2 of 2
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/15/2005 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48381 |
| State and County Number | 26125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/24/2024 |
| Date of Deposit Insurance | 08/15/2005 |
| Primary Insurance Agency | DIF |
| Website | www.hvsb.com |
| Data Updated | 11/14/2025 |
| CERT | 57990 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $261.05M |
| Total Deposits | $231.41M |
| Total Liabilities | $232.98M |
| Total Equity Capital | $28.07M |
| Net Income | $657.00k |
| Net Loans and Leases | $204.68M |
| Assets Per Employee ($Millions) | $6.07M |
| Bank Premises and Fixed Assets | $7.43M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $231.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 9.51% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 68.64% |
| Tier 1 Risk-Based Capital Ratio | 12.45% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.753% |
| Earning Assets to total Assets | 93.83% |
Income and Expense
| Total Interest Income | $3.59M |
| Total Noninterest Income | $195.00k |
| Total Interest Expense | $987.00k |
| Total Noninterest Expense | $1.92M |
| Net Interest Income | $2.60M |
| Pre-tax Net Operating Income | $832.00k |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.56M |
| Total Liabilities and Capital | $261.05M |
Securities
| Securities | $16.55M |
| Available-for-sale debt securities | $16.55M |
| 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 Valley State Bank?
$261.05M as of the latest filing.
How much are Huron Valley State Bank's total deposits?
$231.41M in total deposits.
Where is Huron Valley State Bank located?
Milford, MI.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
3.
When was it established?
08/15/2005.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$204.68M (latest filing).
What is the total interest income (latest filing)?
$3.59M.