# HURON STATE BANK
ROGERS CITY, MI · FDIC certificate 23126 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $95.1M | |
| Deposits | $82.4M | |
| Loans and leases | $62.4M | |
| Total equity | $11.3M | |
| Loans / deposits | 74.79% (p52 of band) | 73.59% |
| Liquid assets / assets | 28.31% (p39 of band) | |
| Uninsured deposits / deposits | 12.94% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.00% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.44% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -6.08% (p53 of band) | -6.57% |
| AOCI / equity | 0.08% (p88 of band) | |
| ROA (annualized) | 1.00% (p39 of band) | 1.17% |
| Net interest margin | 3.35% (p23 of band) | 3.93% |
| Efficiency ratio | 64.62% (p47 of band) | |
| Noncurrent loans | 2.05% (p85 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 63.00% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 33.55% (p67 of band) | |
| Auto loans | $1.8M (2.90% of loans; DQ 3.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 5 | capital falling, losing money |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 3 |  | losing money |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 4 | capital falling, charge-offs p90 |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | noncurrent p90 |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 1 | reserve under noncurrent | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | capital falling, reserve under noncurrent |  |
| 2023-12 | 0 |  | capital falling, reserve under noncurrent |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 2 | capital falling, reserve under noncurrent |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 1 |  | uninsured deposits leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2024-09-25 [Huron State Bank annex building renovations shown at open house - Presque Isle County Advance](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZldwNG52dHA0cEgxZlkxYzNYRVQ5SmQwWHdpRlZQbWlYMC13NjJkN3RPMFBMWHhPZl9ELVhpUXpHMnRNai1hQ1V4WkRzanNyckE5SFNYaWtxVmpuU1JsTEZkU1pOQXFOS0tOU1o5VDdCMzlMTjhWdEFBTXJlLTdfVzRzQUpyVVlpQkJLeFZqM05CVWtSVTRtUkZ3?oc=5) · Presque Isle County Advance
- 2020-09-30 [Local bank changes name to Huron State Bank - Presque Isle County Advance](https://news.google.com/rss/articles/CBMif0FVX3lxTFBmWXNYSV8ybC01WGxrR0JYYjZTcU1scThEUkJxenJ0V3JIMEtoQUdWdnY3TFpzOUpDNkRPMXdsdVMyREw3N0hGcmpUNFBfbXFSS3lmbUxSRmdKRklMQmR3bTJGQ0VFdV9LcF9ETzdoWThVWFZ1dGdIX3kzbC1tZVE?oc=5) · Presque Isle County Advance
- 2025-06-17 [Ice storm recovery support: SBA loan centers now open in five Northern Michigan counties - Petoskey News-Review](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOSzczYTVxWkE5RVoyRVhNazZwUmc0R1dpc0VCNlNtc0N2RVFybTRjbWZGNnVfZHZYTUp6b09aMWxpcnpaSUozd2tGeHBHLUNLN0JEVFFYZVhkVnFnRVlRMlVIYjZnSDJYSnR3Tjl6bmhMRmtRX0VWUGFrMGRUeHNhWkJLbWFVMnRBRmdaSXRvMVFFYm40V0VkVWJnc3lxRUxzSXpCRHNQOWFKU2pyMnBWMXAzRXEwTFNTc1VqUjg3bUpwRTk0M3pTY080clRNMUtDZl9MT1JWUTdpREN5Y1NLT1Y3SjVTdw?oc=5) · Petoskey News-Review
- 2022-10-21 [Local banking institution to close Rogers City branch Jan. 13 - Presque Isle County Advance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPenFHdnpTbG10WTFhWVFFdnE0cFc0Z2pvaEs0Mmc1RGRVdXZhSUlocE50TmRuOHVPYmlzVWQyV3prZUZXdExSQkpwdVVuMWdUY1dkTE1DZ3JrOFBMQ1dLT0k0NV9GVnlXNjBDTDhQRDVmZ1VvclppaTdFY0p6Yk85T000RUZiSFRUazRsb215RC1GUzZPNGc?oc=5) · Presque Isle County Advance
- 2025-10-09 [Local artist Brady Myers to have painting on display at the state Capitol - Presque Isle County Advance](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZURMdGtwd1lQRUpvSWJZVE9wUndhVDNJMFVqR196Uk5IOE5TNmY5Um9xVGxtdnpyekV1YWZiblhCTjhrM01lX2R2bzJtR3M4eGhvY3pLQl9UX3VDVGdSTFZkTnFsZHloM0E1MkJtUGllV0ZsNWJSbVRDMlJiSnlQd3RTclAxd29yUWRxVEQxOU93MFdISTFIcHRpcko1VVc4S3FCcERXNA?oc=5) · Presque Isle County Advance
- 2025-01-09 [County board reorganizes with four new commissioners - Presque Isle County Advance](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPajBtT0d4ZWp2aGdESHhpZWJYaFUwN0FaMmUybWdLN3FHVS00VW03RlpVZ2d2dFRRUEozSmdQWlQwRHVLanctang2T0NEOHFjcGRlX0RHemhmdkRCNzd5NHl6b2pUNGJNWVNXRDZtS2VvWXVWVENsbElWRzlmY1h6ZThmQ2NsNGowSDhr?oc=5) · Presque Isle County Advance
- 2023-09-21 [Celebrating the restoration or historic icons - Presque Isle County Advance](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRFppekxvcS1kS1hZaWtpM2k3YTBnSGpqd2ZOVXRrd3FrVGU1UVVlT0FxZi1PVm5uYm1HaFBtT2JBdm05VXl6MTdlS1p0TVV4YUlId3hXM2lKbHJkT2RELTRid1R5SmtPTFdkSV8wdEptcjRRZGszVzB0VlRRSTFYNEFR?oc=5) · Presque Isle County Advance
- 2025-06-18 [Mural festival closes with new artwork around every corner - Presque Isle County Advance](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZGZvbXFMbXhOal9WLVduRDNaQ3MtLVVlZVNxR2YwTGJ2U093aENXOWt6YldYUDFnUjZuVUhWVE5aTWNaM0RtYVhNVDluUG9oMndtY19UdE1xekU2VlR1dS1DQjA1TVdmcVFGaWRSQkNSSDhpX3dQWmdROXlMTHFiM2dxY2pIT3RQd2lvNEEwZVI2Snc?oc=5) · Presque Isle County Advance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23126 (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/22.json (key "23126", 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