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Honesdale National Bank, The

Honesdale, PA · Cert 7526 · Honat Bcorp Inc.

National charter · OCC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Honesdale National Bank, The

Honesdale, PA · Cert 7526 · Honat Bcorp Inc.

National charter · OCC · 15 branches

Q2 2026

$1.2BAssets
$923.4MLoans
$993.3MDeposits
$153.7MEquity
Loan mix
84%RE $753.6M12%C&I $110.6M3%Consumer $27.9MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $707.7M29%Noninterest $285.6MQ3 2024Q2 2026

Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 1.6% share · #13 of 21 inst. · $0.3B of $16.9B

23.5% Wayne
2.7% Lackawanna
12.6% Susquehanna
8.7% Pike

Executive Summary

  • Earnings: ROA of 1.50%, up 18 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.24% of loans (-10 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 13.74%, up 10 bps from a year ago.
  • Funding: loans stand at 92.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.50%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+35 bps YoY

Efficiency Ratio (YTD, annualized)

52.23%-582 bps YoY

Tier 1 Leverage Ratio

13.74%+10 bps YoY

NIM

4.95%Q2 ’245.43%Q2 ’255.71%Q2 ’26+10%+9%

Non-interest income vs. expense

2.56%Q2 ’242.56%Q2 ’252.49%Q2 ’26+1%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.31%1.25%1.32%1.42%1.53%1.46%1.50%+18 bps
Return on Equity9.94%10.22%9.87%10.39%11.13%11.93%11.12%11.44%+105 bps
Net Interest Margin3.45%3.42%3.73%3.83%3.89%3.88%4.25%4.18%+35 bps
Efficiency Ratio61.66%60.00%59.16%58.05%56.24%55.37%52.82%52.23%-582 bps
Non-Interest Burden1.91%1.83%1.99%1.98%1.93%1.89%1.96%1.90%-8 bps
Growth
Asset Growth (YoY)8.86%8.24%11.11%9.60%6.94%8.00%7.84%9.02%-58 bps
Loan Growth (YoY)8.74%12.30%13.94%14.81%15.07%13.53%12.99%10.03%-477 bps
Deposit Growth (YoY)7.51%8.27%11.40%9.95%6.88%7.48%7.39%8.04%-191 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.23%0.30%0.35%0.28%0.29%0.31%0.24%-10 bps
Net Charge-Offs / Loans0.03%0.01%0.02%0.03%0.02%0.03%0.15%0.08%+5 bps
Allowance / Loans1.54%1.57%1.60%1.63%1.66%1.61%1.70%1.82%+19 bps
Allowance Coverage of NPLs7.3x6.9x5.3x4.7x5.9x5.5x5.6x7.5x+2.7x
Capital
Tier 1 Leverage Ratio13.75%13.51%13.69%13.64%13.68%13.64%13.85%13.74%+10 bps
Total Risk-Based Capital13.75%13.51%13.69%13.64%13.68%13.64%13.85%13.74%+10 bps
Equity / Assets12.70%12.70%12.65%12.70%12.80%13.19%13.01%13.15%+45 bps
Liquidity & Funding
Loans / Deposits84.27%87.50%87.37%91.28%90.73%92.43%91.94%92.97%+168 bps
Liquid Assets / Assets5.61%3.04%4.03%1.10%2.82%3.09%3.43%2.02%+92 bps
CRE / Total Capitaln/an/an/an/a260%259%259%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Honesdale National Bank, The

Honesdale, PA · Cert 7526 · Peer group: banks $1B-$10B in assets (n=322-328) · Honat Bcorp Inc.

National charter · OCC · 15 branches

Q2 2026

$1.2BAssets
$923.4MLoans
$993.3MDeposits
$153.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks $1B-$10B in assets (rank 44 of 328).
  • Widest gap: net charge-offs / loans trails 56% of banks $1B-$10B in assets (rank 182 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.47%

Rank 90 of 328

Net Interest Margin

4.18%

Rank 44 of 328

Efficiency Ratio

52.23%

Rank 91 of 328

Equity / Assets

13.15%

Rank 51 of 328

Non-interest income vs. expense

$6.9M$29.1MINCOMEEXPENSE
Unfavorable gap of $22.2M · efficiency ratio beats 73% of banks $1B-$10B in assets
Bank 52.23%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.47%0.91%1.22%1.52%Beats 73%90 / 328
Return on Equity11.21%8.43%11.45%14.43%Beats 47%174 / 328
Net Interest Margin4.18%3.03%3.45%3.83%Beats 87%44 / 328
Efficiency Ratio52.23%51.61%59.56%67.53%Beats 73%91 / 328
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.51%1.03%Beats 75%83 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 44%182 / 322
Capital
Tier 1 Capital Ratio13.74%11.75%13.15%15.47%Beats 58%137 / 328
Total Risk-Based Capital Ratio13.74%12.63%14.15%16.46%Beats 45%180 / 328
Equity / Assets13.15%9.15%10.33%12.01%Beats 84%51 / 328
Liquidity & Funding
Loans / Deposits92.97%76.63%87.92%95.36%69th pctl101 / 323
Loans / Assets79.01%65.18%74.15%79.98%70th pctl97 / 328
Brokered Deposits / Depositsn/aNot reported for this institution