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Huron Valley State Bank

Milford, MI · Est. 2005 · Website ↗
A
Trust Grade
Excellent
Score: 95/100

Huron Valley State Bank is a bank based in Milford, Michigan, established in 2005, with $287 million in total assets across 3 branches. By Trust Grade it ranks 36th of 73 banks we track in Michigan. Its capital ratio of 9.6% trails most similarly sized banks (40th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 0.87% return on assets. No consumer complaints against Huron Valley State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$286.7M
$100M–1B institution
Deposits
$257.7M
Branches
3
Capital ratio
9.6%
Bottom 40% of $100M–1B peers · Michigan median 9.6%
Return on assets
0.9%
Bottom 30% of $100M–1B peers · Michigan median 1.15%
Rank in Michigan
#36
of 73 banks

How Huron Valley State Bank compares to Michigan peers

Capital ratio
Bottom 40% of $100M–1B peers
Huron Valley
9.6%
Michigan median
9.6%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 30% of $100M–1B peers
Huron Valley
0.9%
Michigan median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Huron Valley State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
95/100
Customer experience
n/a
Overall
A · 95
  • Strongly capitalized (9.6% capital ratio)
  • Profitable (ROA 0.87%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Huron Valley State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 130 S Milford Rd, Milford, MI 48381
  • 2920 E Highland Rd, Highland, MI 48356
  • 1150 Corporate Office Dr, Milford, MI 48381

Are deposits at Huron Valley State Bank insured?

Yes. Huron Valley State Bank is an FDIC-insured bank (FDIC certificate #57990). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Huron Valley State Bank: frequently asked questions

Is Huron Valley State Bank a good bank?

Huron Valley State Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Profitable (ROA 0.87%).

Is Huron Valley State Bank FDIC-insured?

Yes. Huron Valley State Bank is a FDIC-insured bank (FDIC certificate #57990). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Huron Valley State Bank?

Huron Valley State Bank holds $287 million in total assets, ranking 36th of 73 banks we track in Michigan. It operates 3 branches.

Does Huron Valley State Bank have CFPB complaints?

No CFPB complaints against Huron Valley State Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Alden State Bank
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Charlevoix State Bank
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The First National Bank Of St. Ignace
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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