Side-by-side · Q2 2026 data
First State Bank of Michigan vs Huron State Bank
Metric by metric
| Measure | First State Bank of Michigan | Huron State Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 63 |
| Capital cushion | 89 (stronger) | 74 |
| Loan quality | 71 (stronger) | 32 |
| Earnings | 0 | 60 (stronger) |
| Funding & liquidity | 72 | 85 (stronger) |
| Problem-loan coverage | 92 (stronger) | 79 |
| Peer percentile | 24th | 22nd |
| Total assets | $87.8M | $95.1M |
| Deposits / shares | $71.6M | $82.4M |
| Capital ratio | 13.89% (stronger) | 12.44% |
| Problem loans | 0.88% (stronger) | 2.05% |
| Net charge-offs | 0.00% | -0.05% (stronger) |
| Return on assets | -1.32% | 1.00% (stronger) |
| Loans ÷ deposits | 88.3% | 74.8% (stronger) |
| Uninsured deposits | 9.7% (stronger) | 12.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Michigan has the higher TellerScore (64 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Michigan leads on 4 and Huron State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.