Huron Community Bank (FDIC #11810): Bank Stress & Real-Estate Credit Exposure
Huron Community Bank (FDIC Cert #11810): bank stress 86/100, severe, STABLE over 7 days; parent HURON CMTY FINL SERVICES INC.
Huron Community Bank (#11810) lends in 4 counties across 1 state; Huron Community Bank (#11810) reaches 32 ZIP codes: Michigan 4 counties, 32 ZIPs.
Huron Community Bank (#11810) largest markets: Alcona County, MI (26 branches, 13 ZIPs) (#11810), Iosco County, MI (36 branches, 12 ZIPs) (#11810), Arenac County, MI (10 branches, 10 ZIPs) (#11810), Ogemaw County, MI (18 branches, 9 ZIPs) (#11810).
Huron Community Bank (#11810) reports $323.3 million in total assets; Huron Community Bank (#11810) equity $25.1 million (7.8% of Huron Community Bank (#11810) assets); Huron Community Bank (#11810) domestic deposits $268.7 million; Huron Community Bank (#11810) net income $969,000; Huron Community Bank (#11810) return on assets 0.61%; Huron Community Bank (#11810) return on equity 7.71%; Huron Community Bank (#11810) net interest income $6.0 million; Huron Community Bank (#11810) call report June 30, 2026.
Huron Community Bank (#11810) noncurrent real-estate loans: none reported; Huron Community Bank (#11810) net charge-offs on real estate 0.06%.
Huron Community Bank (#11810) net interest margin 4.01% against an eight-quarter Huron Community Bank (#11810) average of 3.63% (Huron Community Bank (#11810) compression -0.38 points); Huron Community Bank (#11810) rate-exposure score 40/100, Huron Community Bank (#11810) fixed-rate trap 40/100; Huron Community Bank (#11810) risk type credit driven; Huron Community Bank (#11810) rate regime rates elevated, Huron Community Bank (#11810) snapshot October 19, 2026.
Huron Community Bank (#11810) stress score moved from 84.4 on June 22, 2026 to 86.3 on October 19, 2026; Huron Community Bank (#11810) ranged 84.4 to 86.3 over 116 snapshots.
Huron Community Bank (#11810) alerts: 4 counties; top Huron Community Bank (#11810) alert scores: Au Gres County, MI 29 (low); Lincoln County, MI 29 (low); Tawas City County, MI 29 (low); West Branch County, MI 29 (low).