Huron State Bank (FDIC certificate #23126) is based in Rogers City, Michigan. Its Q2 2026 call report shows $95.1M in total assets and $82.4M in deposits and 1 office.
Based on its Q2 2026 filing, Huron State Bank scores 63/100, which we describe as moderate. That is higher than only 22% of 546 banks with under $100 million in assets. Among 72 banks headquartered in Michigan, it ranks 47th. Its strongest component is funding & liquidity (85/100; 75% loans-to-deposits, 13% uninsured), and its lowest is loan quality (32/100; 2.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (67 → 63), mostly because the loan quality component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 70 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 67 |
| Q3 2025 | 63 |
| Q4 2025 | 62 |
| Q1 2026 | 61 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.91% |
| Q3 2024 | 12.51% |
| Q4 2024 | 12.93% |
| Q1 2025 | 12.49% |
| Q2 2025 | 12.78% |
| Q3 2025 | 12.67% |
| Q4 2025 | 12.24% |
| Q1 2026 | 12.41% |
| Q2 2026 | 12.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.73% |
| Q3 2025 | 2.06% |
| Q4 2025 | 2.13% |
| Q1 2026 | 2.10% |
| Q2 2026 | 2.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.24% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.91% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.80% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $95.1M | 12.44% | 2.05% | 1.00% | 74.8% |
| Q1 2026 | 61 | $96.5M | 12.41% | 2.10% | 0.80% | 72.4% |
| Q4 2025 | 62 | $94.6M | 12.24% | 2.13% | 1.06% | 73.4% |
| Q3 2025 | 63 | $96.9M | 12.67% | 2.06% | 0.91% | 67.4% |
| Q2 2025 | 67 | $88.9M | 12.78% | 1.73% | 0.99% | 71.3% |
| Q1 2025 | 70 | $88.5M | 12.49% | 1.65% | 1.24% | 70.2% |
| Q4 2024 | 72 | $87.6M | 12.93% | 1.68% | 1.48% | 69.7% |
| Q3 2024 | 70 | $92.0M | 12.51% | 1.43% | 1.20% | 64.8% |
| Q2 2024 | 73 | $83.2M | 12.91% | 1.40% | 1.31% | 70.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mayville State BankBank Mayville, MI | 63 out of 100, Moderate | $94.6M | 11.7% | 2.09% | vs |
| First State Bank of MichiganBank Decatur, MI | 64 out of 100, Moderate | $87.8M | 13.9% | 0.88% | vs |
| Homestead Savings BankBank Albion, MI | 68 out of 100, Moderate | $71.6M | 9.4% | 0.24% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| The Port Austin State BankBank Port Austin, MI | 95 out of 100, Very strong | $67.8M | 18.4% | 0.00% | vs |
| The First National Bank of WakefieldBank Wakefield, MI | 68 out of 100, Moderate | $52.6M | 10.1% | 0.71% | vs |
Deposit insurance
Is my money safe at Huron State Bank?
Yes. Huron State Bank is an FDIC-insured institution (FDIC certificate #23126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.9% of deposits ($10.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Huron State Bank lists 1 office in 1 city. Most locations:
- Rogers City, MI (1)
Identity & history
Profile
- Legal name
- Huron State Bank
- Former names
- Huron National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 23126
- RSSD ID
- 753641
- Primary regulator
- FED
- Holding company
- Huron National Bcorp Inc
- Established
- May 12, 1980
- Headquarters
- 200 E Erie St, Rogers City, MI 49779
- Website
- www.huronstatebank.com
- Employees
- 13
Quick answers
Huron State Bank: common questions
Is Huron State Bank FDIC insured?
Yes. Huron State Bank is an FDIC-insured institution (FDIC certificate #23126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Huron State Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Huron State Bank ever failed?
There is no failure record for FDIC certificate #23126 in the FDIC failed bank list.
How many branches does Huron State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rogers City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpena-Alcona Area Credit UnionCredit union Alpena, MI | 77 out of 100, Strong | $975.7M | 12.2% | 0.85% | vs |
| Awakon Federal Credit UnionCredit union Onaway, MI | 71 out of 100, Strong | $202.7M | 13.5% | 1.86% | vs |