# HURON COMMUNITY BANK
EAST TAWAS, MI · FDIC certificate 11810 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $323.3M | |
| Deposits | $268.7M | |
| Loans and leases | $198.9M | |
| Total equity | $25.1M | |
| Loans / deposits | 72.73% (p30 of band) | 82.04% |
| Liquid assets / assets | 33.35% (p72 of band) | |
| Uninsured deposits / deposits | 24.19% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.39% (p72 of band) | |
| FHLB advances / assets | 3.09% | |
| Tier 1 leverage | 9.12% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -22.91% (p19 of band) | -8.10% |
| AOCI / equity | -3.70% (p2 of band) | |
| ROA (annualized) | 0.61% (p14 of band) | 1.28% |
| Net interest margin | 4.01% (p55 of band) | 3.91% |
| Efficiency ratio | 78.76% (p88 of band) | |
| Noncurrent loans | 0.33% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 536.83% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 21.04% (p26 of band) | |
| Auto loans | $12.3M (6.17% of loans; DQ 0.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | charge-offs p90 | capital falling |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | capital falling | charge-offs p90 |
| 2015-03 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | capital falling | charge-offs p90 |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 0 |  | capital falling, reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | noncurrent p90 |  |
| 2022-03 | 0 |  | capital falling, noncurrent p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 3 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | noncurrent p90 |
| 2023-09 | 1 |  | expense ratio p90 |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent, assets shrinking | capital falling |
| 2025-03 | 4 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity, noncurrent p90, reserve under noncurrent, assets shrinking |
| 2025-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-10-23 [OXFORD BANK CORPORATION ANNOUNCES CHIEF FINANCIAL OFFICER TRANSITION - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPVjNYRGFSN3lOMVp1S3ZfUlZkakV0MmVjblZfX2VJcDBYN1JmSjlocnFIZm5SWHljbnhkY2ZjREFZQUd1aUFtZDVpMGFIaF9kNklRLXhBLWd0M21telBmWnRFWGxiYnNiNjlXeVdtVkprTG50dVNkekdKZXZNZjdnQVNVa3dPNXZuM1hYS1hoOVRZWFU2WUhhdkRxRFNuYlgtVUpjTHJCemVrUU5PNTBrZEd4WVdJRDE5WTFiRExZeEJMUQ?oc=5) · PR Newswire
- 2019-08-16 [United Way kicking off 2019 campaign Sept. 9 - Times Herald](https://news.google.com/rss/articles/CBMirAFBVV95cUxNSE5JUDkzQ2paanI1eVVwdjI5XzQtSXVHNjlCTml0eFlMSThNeENQYWhjc1d1dllJRzBDb3loZW44eEgxMlNFS0FBTXBhX2Q2MjZoY3lKN1FsMjlONWtVOU9aSkNJZWswc1Bwc0xLU3U3dktNVklIdjFONFg0UnI1UElCSzNKcWFVSkI4LUNYcVdHYzZhWEpXZUxESml3SW9IOU9ObjVsQjlyOGl6?oc=5) · Times Herald
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2020-05-06 [After delays, Cedar Lake dam project planned for fall - - thealpenanews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNby1CdW5oVWl2VkR1VTBYVklxb2lRLXpOUFNMS1g1T2Z2UW1Sak1FQnEtbTYwclBQNWJEbXpSQzdzM21xalBBakhJcWpXc1d4ejBUSnB5QjRPOHpKcU91dE1yTHN3YWVJNUVRSlJaREkzSE1pOHp0UUtoLW15RTFFWEhUd1E1Z25NbFNzWk1JSWVxbVM1WkpmdllQdmVqYjR6ek83U01INmtmdjQ?oc=5) · thealpenanews.com
- 2021-03-17 [James Gass Obituary (1946 - 2021) - East Tawas, MI - Iosco County News-Herald - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMHBFQ2lkejJoOFdySVFLVEtOblZQUHlfZ1BHT0gyY01oak1vRnBXQjI4cE5iakVJLXBUcHF3b3FybEZtQ0VKdHhLQ1REOGdMUGkzcnhJN2JmVmVtdkQ5Y0hqNHdpQ0hTWEpIZHpldWM3OEMtNFh2eVJrU1l0bjM0SEV3NTcydDd4aWc?oc=5) · legacy.com
- 2024-03-21 [Leona Deering Obituary (1927 - 2024) - East Tawas, MI - Iosco County News-Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWTJfUU1CSDNfMTFSRjZ1dE9tQ3FXbWhMUGFELW9wYUxvZHBlS2xja25Mcm5PTVZJcXB3dmZiWkhjOEptUW5TTnF4aW9tcWlucVpsR2N1b00yb2RiUy1YeWJ0U1ZfdkdBN2Z2TTRHMXZ1dTlOSG9zTUtaVElhUEk1VFFwd2ZtcXpzRFY2TkIxaw?oc=5) · legacy.com
- 2022-05-11 [Howard Look Obituary (1931 - 2022) - East Tawas, MI - Iosco County News-Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZEVuOTBuOVo5dW5ad1lKako2QVZ0T3U4VVYwYkZHVGVTcUZsWFM0VW5sV2l6a0hYT2ZMLW1QTm5KOHVQQXZnZVZ4WFdFOWZXZnhBaUpITVVGZDUySFNjQkRvT3Bob2RmaE1lRWZCenc1cmpqZG1ER1pqM1VldFRPRVFUWFdhUWc0WnMtTQ?oc=5) · legacy.com
- 2025-12-15 [Tina M. Dalton Obituary (2025) - Oscoda, MI - Buresh Funeral Home - Tawas City - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5oOHZYSHJnamtic1dMcExrdTZ6VERYTlB1MmUzajJhQWlnVE5VcEJ2UmJKTXpzbm9ZRllDWWpPY2hFaGt0VVZrWUg0OXI0YTlxUkFTZmExWnhvV1BMOEE5Qk1TQ1dzZjl5ajdXRzBiSnVxbUktQ0hucmZPNm1DVDA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11810 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "11810", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide